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$17,430
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,972
−HK$551/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,650
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$528/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,516
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$661/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$633/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,402
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$772/mo
Today · 4.125%
HK$25,933
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,866/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$739/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$992/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,371
+HK$2,029/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$949/mo
Today · 4.125%
HK$36,789
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$1,940/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,578/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,320 · 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).