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$17,436
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$551/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,398
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$528/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,523
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,923
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,574
−HK$661/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,277
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$634/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,411
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$771/mo
Today · 4.125%
HK$25,941
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,882/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,157
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,885
−HK$739/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$992/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,916
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,852
−HK$950/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$38,742
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,398 · 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).