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$17,453
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,996
−HK$552/mo
Today · 4.125%
HK$18,548
baseline
▲ 0.50% · 4.625%
HK$19,676
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,096/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,937
−HK$528/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,544
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,944
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,595
−HK$662/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,611
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,925
−HK$634/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$25,853
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,434
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$773/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,547
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,183
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,912
−HK$740/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,162
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,416
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$993/mo
Today · 4.125%
HK$33,386
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,772/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$951/mo
Today · 4.125%
HK$36,838
baseline
▲ 0.50% · 4.625%
HK$38,780
+HK$1,942/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,676/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,622 · 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).