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$17,447
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,989
−HK$552/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,669
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,409
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,930
−HK$528/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,536
+HK$1,078/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$662/mo
Today · 4.125%
HK$22,249
baseline
▲ 0.50% · 4.625%
HK$23,603
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,498/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,291
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$633/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,425
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,185
−HK$772/mo
Today · 4.125%
HK$25,957
baseline
▲ 0.50% · 4.625%
HK$27,536
+HK$1,579/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,914/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,173
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$739/mo
Today · 4.125%
HK$28,641
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,282/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,404
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$992/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,874
−HK$950/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,536 · 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).