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$17,444
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$551/mo
Today · 4.125%
HK$18,537
baseline
▲ 0.50% · 4.625%
HK$19,665
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,074/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$528/mo
Today · 4.125%
HK$20,454
baseline
▲ 0.50% · 4.625%
HK$21,532
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,908/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,583
−HK$662/mo
Today · 4.125%
HK$22,245
baseline
▲ 0.50% · 4.625%
HK$23,599
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,490/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,287
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$633/mo
Today · 4.125%
HK$24,545
baseline
▲ 0.50% · 4.625%
HK$25,839
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,090/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,421
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,181
−HK$771/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,532
+HK$1,580/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,168
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$739/mo
Today · 4.125%
HK$28,636
baseline
▲ 0.50% · 4.625%
HK$30,145
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,272/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,399
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,375
−HK$992/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$2,031/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,931
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$951/mo
Today · 4.125%
HK$36,818
baseline
▲ 0.50% · 4.625%
HK$38,758
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,636/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,496 · 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).