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$17,437
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$551/mo
Today · 4.125%
HK$18,531
baseline
▲ 0.50% · 4.625%
HK$19,658
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,062/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,399
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,919
−HK$528/mo
Today · 4.125%
HK$20,447
baseline
▲ 0.50% · 4.625%
HK$21,525
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,894/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$661/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,590
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$633/mo
Today · 4.125%
HK$24,536
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,072/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,412
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$771/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,522
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,887
−HK$739/mo
Today · 4.125%
HK$28,626
baseline
▲ 0.50% · 4.625%
HK$30,135
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,252/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,364
−HK$992/mo
Today · 4.125%
HK$33,356
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$2,029/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,712/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,918
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$951/mo
Today · 4.125%
HK$36,805
baseline
▲ 0.50% · 4.625%
HK$38,745
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,610/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,414 · 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).