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$17,424
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,966
−HK$551/mo
Today · 4.125%
HK$18,517
baseline
▲ 0.50% · 4.625%
HK$19,644
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,034/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,385
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$528/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,509
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,909
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$661/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,261
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$633/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,394
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,153
−HK$771/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,501
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,138
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,866
−HK$739/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,364
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,340
−HK$991/mo
Today · 4.125%
HK$33,331
baseline
▲ 0.50% · 4.625%
HK$35,359
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,662/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,892
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,828
−HK$949/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$38,716
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,244 · 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).