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$17,445
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,988
−HK$551/mo
Today · 4.125%
HK$18,539
baseline
▲ 0.50% · 4.625%
HK$19,667
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,078/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,928
−HK$528/mo
Today · 4.125%
HK$20,456
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,912/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,934
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,586
−HK$661/mo
Today · 4.125%
HK$22,247
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,494/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,289
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$633/mo
Today · 4.125%
HK$24,547
baseline
▲ 0.50% · 4.625%
HK$25,841
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,094/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$772/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,579/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,899
−HK$740/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,509/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,378
−HK$993/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$2,030/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,871
−HK$950/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$38,762
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,518 · 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).