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$17,469
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,013
−HK$552/mo
Today · 4.125%
HK$18,565
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,130/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,956
−HK$529/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,564
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,970/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,963
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,615
−HK$663/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,633
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,321
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,947
−HK$634/mo
Today · 4.125%
HK$24,581
baseline
▲ 0.50% · 4.625%
HK$25,877
+HK$1,296/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,162/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,457
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$773/mo
Today · 4.125%
HK$25,991
baseline
▲ 0.50% · 4.625%
HK$27,572
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,982/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,208
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$740/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,190
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$994/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$2,033/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,982
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$952/mo
Today · 4.125%
HK$36,872
baseline
▲ 0.50% · 4.625%
HK$38,816
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,744/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,836 · 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).