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$17,467
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,011
−HK$552/mo
Today · 4.125%
HK$18,563
baseline
▲ 0.50% · 4.625%
HK$19,692
+HK$1,129/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$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$528/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,562
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,961
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,613
−HK$662/mo
Today · 4.125%
HK$22,275
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,356/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,550/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,944
−HK$635/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,295/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$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,215
−HK$773/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,569
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,205
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,935
−HK$740/mo
Today · 4.125%
HK$28,675
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,350/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,441
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,419
−HK$994/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,446
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,978
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,916
−HK$952/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$38,811
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,736/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,810 · 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).