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$17,477
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,020
−HK$552/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$529/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,972
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$663/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,331
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$634/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$773/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,584
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,219
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,949
−HK$741/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$994/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$2,035/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,996
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$952/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$38,831
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,929 · 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).