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$17,437
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,979
−HK$551/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,657
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,398
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,918
−HK$528/mo
Today · 4.125%
HK$20,446
baseline
▲ 0.50% · 4.625%
HK$21,524
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,892/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,924
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$661/mo
Today · 4.125%
HK$22,236
baseline
▲ 0.50% · 4.625%
HK$23,589
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,472/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$633/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,411
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$772/mo
Today · 4.125%
HK$25,942
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,884/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,157
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,885
−HK$739/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,386
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$992/mo
Today · 4.125%
HK$33,354
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$2,029/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,708/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,916
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,853
−HK$950/mo
Today · 4.125%
HK$36,803
baseline
▲ 0.50% · 4.625%
HK$38,743
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,606/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,403 · 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).