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$17,447
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$17,990
−HK$551/mo
Today · 4.125%
HK$18,541
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$1,129/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,082/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,410
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$19,931
−HK$528/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,537
+HK$1,078/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,937
−HK$1,313/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$662/mo
Today · 4.125%
HK$22,250
baseline
▲ 0.50% · 4.625%
HK$23,604
+HK$1,354/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,500/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,292
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$633/mo
Today · 4.125%
HK$24,550
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,295/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,100/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,426
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$772/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,580/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,903
−HK$739/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,510/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,405
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$993/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,405
+HK$2,030/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$951/mo
Today · 4.125%
HK$36,826
baseline
▲ 0.50% · 4.625%
HK$38,767
+HK$1,941/mo
Deposit HK$765K · loan HK$6.89M · min. income ≈ HK$73,652/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$229,546 · 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).