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$17,435
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,978
−HK$551/mo
Today · 4.125%
HK$18,529
baseline
▲ 0.50% · 4.625%
HK$19,656
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,058/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,917
−HK$527/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,922
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$661/mo
Today · 4.125%
HK$22,234
baseline
▲ 0.50% · 4.625%
HK$23,587
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,468/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,276
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$633/mo
Today · 4.125%
HK$24,533
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,066/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,409
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,169
−HK$771/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,518
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,883
−HK$739/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,131
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,360
−HK$991/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,914
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,850
−HK$950/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$38,740
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,385 · 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).