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$17,440
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$551/mo
Today · 4.125%
HK$18,534
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,068/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$528/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,579
−HK$662/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,594
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,907
−HK$633/mo
Today · 4.125%
HK$24,540
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,080/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,416
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,176
−HK$771/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,526
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$739/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,392
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,369
−HK$992/mo
Today · 4.125%
HK$33,361
baseline
▲ 0.50% · 4.625%
HK$35,391
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,722/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,924
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,860
−HK$950/mo
Today · 4.125%
HK$36,810
baseline
▲ 0.50% · 4.625%
HK$38,751
+HK$1,941/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,620/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,450 · 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).