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$17,440
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$551/mo
Today · 4.125%
HK$18,533
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,066/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,401
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$528/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$661/mo
Today · 4.125%
HK$22,240
baseline
▲ 0.50% · 4.625%
HK$23,593
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,480/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,906
−HK$634/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$772/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,162
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$739/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,391
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,368
−HK$992/mo
Today · 4.125%
HK$33,360
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,720/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,923
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,859
−HK$950/mo
Today · 4.125%
HK$36,809
baseline
▲ 0.50% · 4.625%
HK$38,750
+HK$1,941/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,618/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,444 · 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).