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$17,457
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,000
−HK$552/mo
Today · 4.125%
HK$18,552
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,104/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,421
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$528/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,549
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,949
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,600
−HK$662/mo
Today · 4.125%
HK$22,262
baseline
▲ 0.50% · 4.625%
HK$23,617
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,524/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,305
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$634/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$773/mo
Today · 4.125%
HK$25,973
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,946/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,189
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$739/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,400
−HK$993/mo
Today · 4.125%
HK$33,393
baseline
▲ 0.50% · 4.625%
HK$35,425
+HK$2,032/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,786/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,958
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,895
−HK$951/mo
Today · 4.125%
HK$36,846
baseline
▲ 0.50% · 4.625%
HK$38,789
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,692/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,674 · 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).