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$17,432
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,974
−HK$551/mo
Today · 4.125%
HK$18,525
baseline
▲ 0.50% · 4.625%
HK$19,652
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,050/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,913
−HK$528/mo
Today · 4.125%
HK$20,441
baseline
▲ 0.50% · 4.625%
HK$21,518
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,882/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,918
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,569
−HK$661/mo
Today · 4.125%
HK$22,230
baseline
▲ 0.50% · 4.625%
HK$23,583
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,460/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$633/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,405
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$771/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,513
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,150
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,878
−HK$739/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,378
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,354
−HK$991/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,374
+HK$2,029/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,907
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,844
−HK$949/mo
Today · 4.125%
HK$36,793
baseline
▲ 0.50% · 4.625%
HK$38,733
+HK$1,940/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,586/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,343 · 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).