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$17,462
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,005
−HK$552/mo
Today · 4.125%
HK$18,557
baseline
▲ 0.50% · 4.625%
HK$19,686
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,114/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,426
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,947
−HK$529/mo
Today · 4.125%
HK$20,476
baseline
▲ 0.50% · 4.625%
HK$21,555
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,952/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$662/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,311
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$634/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$773/mo
Today · 4.125%
HK$25,980
baseline
▲ 0.50% · 4.625%
HK$27,560
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,960/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$740/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,431
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,409
−HK$993/mo
Today · 4.125%
HK$33,402
baseline
▲ 0.50% · 4.625%
HK$35,435
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,804/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,967
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,905
−HK$951/mo
Today · 4.125%
HK$36,856
baseline
▲ 0.50% · 4.625%
HK$38,799
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,712/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,735 · 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).