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$17,439
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,981
−HK$551/mo
Today · 4.125%
HK$18,532
baseline
▲ 0.50% · 4.625%
HK$19,660
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,064/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,921
−HK$527/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,526
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,926
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,577
−HK$662/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,905
−HK$633/mo
Today · 4.125%
HK$24,538
baseline
▲ 0.50% · 4.625%
HK$25,832
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,076/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,414
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,174
−HK$771/mo
Today · 4.125%
HK$25,945
baseline
▲ 0.50% · 4.625%
HK$27,524
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,890/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$739/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,137
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,366
−HK$992/mo
Today · 4.125%
HK$33,358
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,716/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,921
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,857
−HK$950/mo
Today · 4.125%
HK$36,807
baseline
▲ 0.50% · 4.625%
HK$38,747
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,614/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,431 · 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).