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$17,430
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,973
−HK$550/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,651
+HK$1,128/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$528/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,516
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$661/mo
Today · 4.125%
HK$22,228
baseline
▲ 0.50% · 4.625%
HK$23,581
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,456/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,269
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$634/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,403
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,162
−HK$771/mo
Today · 4.125%
HK$25,933
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,866/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,148
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$738/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,123
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,375
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$991/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,371
+HK$2,029/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$950/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,322 · 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).