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$17,403
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$550/mo
Today · 4.125%
HK$18,494
baseline
▲ 0.50% · 4.625%
HK$19,619
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,988/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$527/mo
Today · 4.125%
HK$20,406
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,812/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$660/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,543
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$632/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,778
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$770/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,467
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$738/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$990/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$948/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,956 · 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).