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$17,416
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$550/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,635
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$527/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,900
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$660/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,874
−HK$633/mo
Today · 4.125%
HK$24,507
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,014/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,383
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$771/mo
Today · 4.125%
HK$25,912
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,824/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,126
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$738/mo
Today · 4.125%
HK$28,591
baseline
▲ 0.50% · 4.625%
HK$30,098
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,182/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,349
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,325
−HK$990/mo
Today · 4.125%
HK$33,315
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,630/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,876
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$949/mo
Today · 4.125%
HK$36,760
baseline
▲ 0.50% · 4.625%
HK$38,698
+HK$1,938/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,520/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,137 · 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).