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$17,409
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$550/mo
Today · 4.125%
HK$18,501
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,002/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$527/mo
Today · 4.125%
HK$20,414
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,828/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,541
−HK$660/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,552
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,241
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$633/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$770/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$737/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,086
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,336
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,311
−HK$990/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,328
+HK$2,027/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,861
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$949/mo
Today · 4.125%
HK$36,745
baseline
▲ 0.50% · 4.625%
HK$38,682
+HK$1,937/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,490/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,042 · 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).