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$17,470
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,014
−HK$552/mo
Today · 4.125%
HK$18,566
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,132/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,957
−HK$528/mo
Today · 4.125%
HK$20,485
baseline
▲ 0.50% · 4.625%
HK$21,565
+HK$1,080/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$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,964
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,616
−HK$663/mo
Today · 4.125%
HK$22,279
baseline
▲ 0.50% · 4.625%
HK$23,634
+HK$1,355/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$44,558/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,948
−HK$634/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$25,878
+HK$1,296/mo
Deposit HK$3.06M · loan HK$4.60M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,458
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,219
−HK$773/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,581/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,939
−HK$741/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,191
+HK$1,511/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,446
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,424
−HK$994/mo
Today · 4.125%
HK$33,418
baseline
▲ 0.50% · 4.625%
HK$35,452
+HK$2,034/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,836/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,984
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,922
−HK$952/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$38,817
+HK$1,943/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,845 · 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).