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$17,393
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,934
−HK$550/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,968/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$526/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$660/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$631/mo
Today · 4.125%
HK$24,474
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,948/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,351
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$770/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,452
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,090
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,816
−HK$737/mo
Today · 4.125%
HK$28,553
baseline
▲ 0.50% · 4.625%
HK$30,058
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,106/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$989/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$2,025/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,830
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$947/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$1,936/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,833 · 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).