The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$17,446
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,988
−HK$552/mo
Today · 4.125%
HK$18,540
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,080/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,929
−HK$528/mo
Today · 4.125%
HK$20,457
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,078/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,914/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,935
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$662/mo
Today · 4.125%
HK$22,248
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,496/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,290
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$634/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$771/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,535
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$739/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,149
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$992/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,935
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,871
−HK$951/mo
Today · 4.125%
HK$36,822
baseline
▲ 0.50% · 4.625%
HK$38,763
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,644/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,522 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).