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$17,417
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,959
−HK$550/mo
Today · 4.125%
HK$18,509
baseline
▲ 0.50% · 4.625%
HK$19,636
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,018/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,377
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$527/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,500
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,901
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,551
−HK$660/mo
Today · 4.125%
HK$22,211
baseline
▲ 0.50% · 4.625%
HK$23,563
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,422/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,252
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$633/mo
Today · 4.125%
HK$24,508
baseline
▲ 0.50% · 4.625%
HK$25,800
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,016/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$770/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,127
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$738/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,351
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,326
−HK$991/mo
Today · 4.125%
HK$33,317
baseline
▲ 0.50% · 4.625%
HK$35,344
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,634/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,878
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,813
−HK$949/mo
Today · 4.125%
HK$36,762
baseline
▲ 0.50% · 4.625%
HK$38,700
+HK$1,938/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,524/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,149 · 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).