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$17,478
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,021
−HK$553/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,965
−HK$529/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,973
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$663/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,645
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,333
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,958
−HK$635/mo
Today · 4.125%
HK$24,593
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,186/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$773/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$741/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,460
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$994/mo
Today · 4.125%
HK$33,433
baseline
▲ 0.50% · 4.625%
HK$35,467
+HK$2,034/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,866/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,999
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$952/mo
Today · 4.125%
HK$36,890
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,780/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,945 · 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).