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$17,460
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,003
−HK$552/mo
Today · 4.125%
HK$18,555
baseline
▲ 0.50% · 4.625%
HK$19,684
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,110/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,424
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,945
−HK$528/mo
Today · 4.125%
HK$20,473
baseline
▲ 0.50% · 4.625%
HK$21,552
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,946/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,603
−HK$662/mo
Today · 4.125%
HK$22,265
baseline
▲ 0.50% · 4.625%
HK$23,620
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,530/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,308
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,934
−HK$634/mo
Today · 4.125%
HK$24,568
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,136/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,444
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$772/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,557
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$740/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$993/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,430
+HK$2,032/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$952/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$1,942/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,707 · 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).