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$17,456
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,999
−HK$552/mo
Today · 4.125%
HK$18,551
baseline
▲ 0.50% · 4.625%
HK$19,680
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,102/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,420
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,941
−HK$528/mo
Today · 4.125%
HK$20,469
baseline
▲ 0.50% · 4.625%
HK$21,548
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,938/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,947
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,599
−HK$662/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,615
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,304
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,929
−HK$634/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,439
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,199
−HK$772/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,188
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$740/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,167
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,398
−HK$993/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,423
+HK$2,032/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,956
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$951/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$1,942/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,660 · 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).