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$17,423
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,965
−HK$551/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,642
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,383
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$527/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,507
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,908
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$661/mo
Today · 4.125%
HK$22,219
baseline
▲ 0.50% · 4.625%
HK$23,571
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,438/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,260
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$633/mo
Today · 4.125%
HK$24,516
baseline
▲ 0.50% · 4.625%
HK$25,808
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,032/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,392
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,151
−HK$771/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$738/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$991/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,889
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,825
−HK$949/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,225 · 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).