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$17,472
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,015
−HK$553/mo
Today · 4.125%
HK$18,568
baseline
▲ 0.50% · 4.625%
HK$19,697
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,136/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$528/mo
Today · 4.125%
HK$20,487
baseline
▲ 0.50% · 4.625%
HK$21,567
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,974/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,966
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$663/mo
Today · 4.125%
HK$22,281
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,356/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,562/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,950
−HK$635/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,296/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$773/mo
Today · 4.125%
HK$25,995
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,990/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,212
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,942
−HK$740/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,194
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,449
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,428
−HK$994/mo
Today · 4.125%
HK$33,422
baseline
▲ 0.50% · 4.625%
HK$35,455
+HK$2,033/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,844/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,987
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,925
−HK$952/mo
Today · 4.125%
HK$36,877
baseline
▲ 0.50% · 4.625%
HK$38,821
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,754/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,868 · 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).