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$17,450
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,993
−HK$552/mo
Today · 4.125%
HK$18,545
baseline
▲ 0.50% · 4.625%
HK$19,673
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,090/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,413
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,934
−HK$528/mo
Today · 4.125%
HK$20,462
baseline
▲ 0.50% · 4.625%
HK$21,541
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,924/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,592
−HK$662/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,608
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,921
−HK$634/mo
Today · 4.125%
HK$24,555
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,110/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,430
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$772/mo
Today · 4.125%
HK$25,962
baseline
▲ 0.50% · 4.625%
HK$27,542
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,924/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,179
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,908
−HK$739/mo
Today · 4.125%
HK$28,647
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,294/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$992/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,411
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$951/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,584 · 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).