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$17,442
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,985
−HK$551/mo
Today · 4.125%
HK$18,536
baseline
▲ 0.50% · 4.625%
HK$19,664
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,072/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,404
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,925
−HK$528/mo
Today · 4.125%
HK$20,453
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,906/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,931
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$661/mo
Today · 4.125%
HK$22,243
baseline
▲ 0.50% · 4.625%
HK$23,597
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,486/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,285
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,910
−HK$633/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$25,837
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,086/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,419
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,179
−HK$772/mo
Today · 4.125%
HK$25,951
baseline
▲ 0.50% · 4.625%
HK$27,530
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,902/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,166
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,895
−HK$739/mo
Today · 4.125%
HK$28,634
baseline
▲ 0.50% · 4.625%
HK$30,143
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,268/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,396
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$992/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,395
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,865
−HK$950/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$1,941/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,479 · 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).