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$17,431
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$551/mo
Today · 4.125%
HK$18,524
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,048/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,392
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,912
−HK$528/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,517
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,917
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$661/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,582
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,270
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$634/mo
Today · 4.125%
HK$24,528
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,056/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$771/mo
Today · 4.125%
HK$25,934
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,868/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$738/mo
Today · 4.125%
HK$28,615
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,230/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,352
−HK$992/mo
Today · 4.125%
HK$33,344
baseline
▲ 0.50% · 4.625%
HK$35,372
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,688/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,905
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,842
−HK$949/mo
Today · 4.125%
HK$36,791
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$1,940/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,582/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,331 · 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).