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$17,458
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,001
−HK$552/mo
Today · 4.125%
HK$18,553
baseline
▲ 0.50% · 4.625%
HK$19,682
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,106/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,943
−HK$528/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,950
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,601
−HK$663/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,931
−HK$635/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$25,860
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,441
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,202
−HK$772/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$740/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$993/mo
Today · 4.125%
HK$33,395
baseline
▲ 0.50% · 4.625%
HK$35,427
+HK$2,032/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,790/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,960
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$951/mo
Today · 4.125%
HK$36,848
baseline
▲ 0.50% · 4.625%
HK$38,791
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,696/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,687 · 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).