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$17,469
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,012
−HK$552/mo
Today · 4.125%
HK$18,564
baseline
▲ 0.50% · 4.625%
HK$19,694
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,128/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,434
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,955
−HK$528/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$663/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,946
−HK$634/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$25,876
+HK$1,296/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,456
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$773/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$740/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,354/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,443
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$994/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,448
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,980
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,919
−HK$951/mo
Today · 4.125%
HK$36,870
baseline
▲ 0.50% · 4.625%
HK$38,814
+HK$1,944/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,740/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,824 · 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).