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$17,441
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,983
−HK$552/mo
Today · 4.125%
HK$18,535
baseline
▲ 0.50% · 4.625%
HK$19,662
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,070/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,403
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$528/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$661/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,595
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$633/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,294/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,417
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$771/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,527
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$739/mo
Today · 4.125%
HK$28,631
baseline
▲ 0.50% · 4.625%
HK$30,141
+HK$1,510/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,262/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$992/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$2,030/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,862
−HK$950/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,459 · 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).