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$17,461
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$552/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$529/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,554
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,953
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,605
−HK$662/mo
Today · 4.125%
HK$22,267
baseline
▲ 0.50% · 4.625%
HK$23,622
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,534/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,310
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,935
−HK$635/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$25,865
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$772/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$740/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,176
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,430
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,407
−HK$994/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$2,032/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,965
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$951/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$38,797
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,725 · 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).