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$17,468
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$552/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,126/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,433
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$529/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$663/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$634/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,296/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$773/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$740/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$994/mo
Today · 4.125%
HK$33,414
baseline
▲ 0.50% · 4.625%
HK$35,447
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,828/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$952/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$38,812
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,815 · 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).