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$17,419
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$551/mo
Today · 4.125%
HK$18,512
baseline
▲ 0.50% · 4.625%
HK$19,638
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,024/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$528/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$661/mo
Today · 4.125%
HK$22,214
baseline
▲ 0.50% · 4.625%
HK$23,566
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,428/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,878
−HK$633/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$771/mo
Today · 4.125%
HK$25,916
baseline
▲ 0.50% · 4.625%
HK$27,493
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,832/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,130
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$738/mo
Today · 4.125%
HK$28,596
baseline
▲ 0.50% · 4.625%
HK$30,103
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,192/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,355
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$991/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$2,027/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$949/mo
Today · 4.125%
HK$36,766
baseline
▲ 0.50% · 4.625%
HK$38,704
+HK$1,938/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,532/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,175 · 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).