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$17,448
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,991
−HK$551/mo
Today · 4.125%
HK$18,542
baseline
▲ 0.50% · 4.625%
HK$19,671
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,932
−HK$528/mo
Today · 4.125%
HK$20,460
baseline
▲ 0.50% · 4.625%
HK$21,538
+HK$1,078/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,920/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,938
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,589
−HK$662/mo
Today · 4.125%
HK$22,251
baseline
▲ 0.50% · 4.625%
HK$23,605
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,502/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,918
−HK$634/mo
Today · 4.125%
HK$24,552
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,104/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,428
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,187
−HK$772/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,539
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$740/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,509/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,407
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,384
−HK$992/mo
Today · 4.125%
HK$33,376
baseline
▲ 0.50% · 4.625%
HK$35,407
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,752/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,940
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$951/mo
Today · 4.125%
HK$36,828
baseline
▲ 0.50% · 4.625%
HK$38,769
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,656/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,557 · 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).