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$17,464
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,007
−HK$552/mo
Today · 4.125%
HK$18,559
baseline
▲ 0.50% · 4.625%
HK$19,688
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,118/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,428
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,950
−HK$528/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,957
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,609
−HK$662/mo
Today · 4.125%
HK$22,271
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,542/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,314
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,939
−HK$635/mo
Today · 4.125%
HK$24,574
baseline
▲ 0.50% · 4.625%
HK$25,869
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,148/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,450
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,210
−HK$773/mo
Today · 4.125%
HK$25,983
baseline
▲ 0.50% · 4.625%
HK$27,564
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,966/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,200
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$740/mo
Today · 4.125%
HK$28,669
baseline
▲ 0.50% · 4.625%
HK$30,181
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,338/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,435
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$993/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,971
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,909
−HK$952/mo
Today · 4.125%
HK$36,861
baseline
▲ 0.50% · 4.625%
HK$38,804
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,722/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,763 · 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).