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$17,465
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$552/mo
Today · 4.125%
HK$18,561
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,122/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,430
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,951
−HK$529/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,559
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$663/mo
Today · 4.125%
HK$22,273
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,546/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,316
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$635/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$25,871
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$773/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,202
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$740/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,438
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,415
−HK$994/mo
Today · 4.125%
HK$33,409
baseline
▲ 0.50% · 4.625%
HK$35,442
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,818/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,974
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,912
−HK$952/mo
Today · 4.125%
HK$36,864
baseline
▲ 0.50% · 4.625%
HK$38,807
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,728/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,781 · 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).