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$17,434
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$551/mo
Today · 4.125%
HK$18,527
baseline
▲ 0.50% · 4.625%
HK$19,655
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,054/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,395
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$528/mo
Today · 4.125%
HK$20,443
baseline
▲ 0.50% · 4.625%
HK$21,521
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,886/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,921
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,572
−HK$661/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,586
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,274
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$634/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$771/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,153
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$738/mo
Today · 4.125%
HK$28,620
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,240/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$992/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,378
+HK$2,029/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,911
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,848
−HK$950/mo
Today · 4.125%
HK$36,798
baseline
▲ 0.50% · 4.625%
HK$38,737
+HK$1,939/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,596/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,371 · 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).