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$17,444
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,987
−HK$551/mo
Today · 4.125%
HK$18,538
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,076/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$528/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,078/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,933
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,584
−HK$662/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,599
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,288
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$634/mo
Today · 4.125%
HK$24,546
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,092/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,422
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,181
−HK$772/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,532
+HK$1,579/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,169
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$739/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,146
+HK$1,509/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,399
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$992/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,399
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,868
−HK$951/mo
Today · 4.125%
HK$36,819
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,638/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,503 · 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).