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$17,412
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$550/mo
Today · 4.125%
HK$18,504
baseline
▲ 0.50% · 4.625%
HK$19,630
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,008/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,890
−HK$527/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,895
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$660/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,245
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$633/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,792
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,377
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,135
−HK$771/mo
Today · 4.125%
HK$25,906
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,812/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$737/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,342
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$990/mo
Today · 4.125%
HK$33,307
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,614/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$948/mo
Today · 4.125%
HK$36,751
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$1,938/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,502/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,082 · 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).