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$17,425
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,967
−HK$551/mo
Today · 4.125%
HK$18,518
baseline
▲ 0.50% · 4.625%
HK$19,645
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,036/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,386
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,905
−HK$528/mo
Today · 4.125%
HK$20,433
baseline
▲ 0.50% · 4.625%
HK$21,510
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,866/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,910
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,561
−HK$661/mo
Today · 4.125%
HK$22,222
baseline
▲ 0.50% · 4.625%
HK$23,574
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,444/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$632/mo
Today · 4.125%
HK$24,519
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,038/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,395
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,154
−HK$771/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,503
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,140
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$738/mo
Today · 4.125%
HK$28,606
baseline
▲ 0.50% · 4.625%
HK$30,114
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,212/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$992/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$949/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$38,718
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,256 · 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).