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$17,467
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,010
−HK$552/mo
Today · 4.125%
HK$18,562
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,124/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,431
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$528/mo
Today · 4.125%
HK$20,481
baseline
▲ 0.50% · 4.625%
HK$21,561
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,962/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$662/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,630
+HK$1,356/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$634/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$25,873
+HK$1,296/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,453
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$773/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$740/mo
Today · 4.125%
HK$28,674
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,348/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,440
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,418
−HK$993/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,977
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,915
−HK$951/mo
Today · 4.125%
HK$36,866
baseline
▲ 0.50% · 4.625%
HK$38,809
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,732/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,798 · 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).