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$17,455
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,998
−HK$552/mo
Today · 4.125%
HK$18,550
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$1,128/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,100/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,419
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$529/mo
Today · 4.125%
HK$20,468
baseline
▲ 0.50% · 4.625%
HK$21,547
+HK$1,079/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,936/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,946
−HK$1,314/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$662/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,614
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,302
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$23,927
−HK$634/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,437
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$773/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,940/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,186
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,915
−HK$740/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,165
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,419
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$993/mo
Today · 4.125%
HK$33,390
baseline
▲ 0.50% · 4.625%
HK$35,421
+HK$2,031/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,780/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,954
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,891
−HK$951/mo
Today · 4.125%
HK$36,842
baseline
▲ 0.50% · 4.625%
HK$38,784
+HK$1,942/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,684/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,648 · 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).