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$17,471
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,014
−HK$553/mo
Today · 4.125%
HK$18,567
baseline
▲ 0.50% · 4.625%
HK$19,696
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,134/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,436
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$528/mo
Today · 4.125%
HK$20,486
baseline
▲ 0.50% · 4.625%
HK$21,566
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,972/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,617
−HK$663/mo
Today · 4.125%
HK$22,280
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,356/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,560/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,324
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$635/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,459
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,220
−HK$773/mo
Today · 4.125%
HK$25,993
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,986/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,211
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$740/mo
Today · 4.125%
HK$28,681
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,362/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$994/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,453
+HK$2,033/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$951/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,856 · 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).