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$17,468
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,012
−HK$552/mo
Today · 4.125%
HK$18,564
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,128/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,433
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$529/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,563
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,614
−HK$662/mo
Today · 4.125%
HK$22,276
baseline
▲ 0.50% · 4.625%
HK$23,632
+HK$1,356/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,552/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$635/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$773/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$740/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,443
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$994/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,448
+HK$2,033/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,980
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,918
−HK$952/mo
Today · 4.125%
HK$36,870
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$1,943/mo
Deposit HK$766K · loan HK$6.89M · min. income ≈ HK$73,740/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,819 · 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).