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$17,429
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$551/mo
Today · 4.125%
HK$18,522
baseline
▲ 0.50% · 4.625%
HK$19,649
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,044/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,910
−HK$527/mo
Today · 4.125%
HK$20,437
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,874/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,915
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,566
−HK$661/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,579
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,268
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,892
−HK$633/mo
Today · 4.125%
HK$24,525
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,050/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,401
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,160
−HK$771/mo
Today · 4.125%
HK$25,931
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,862/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,146
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$738/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,120
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,372
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$992/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,902
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$949/mo
Today · 4.125%
HK$36,787
baseline
▲ 0.50% · 4.625%
HK$38,726
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,574/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,306 · 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).