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$17,416
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,958
−HK$550/mo
Today · 4.125%
HK$18,508
baseline
▲ 0.50% · 4.625%
HK$19,634
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,016/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,895
−HK$527/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,498
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,899
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,549
−HK$661/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,561
+HK$1,351/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,250
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,873
−HK$633/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,382
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$770/mo
Today · 4.125%
HK$25,911
baseline
▲ 0.50% · 4.625%
HK$27,488
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,822/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,125
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,852
−HK$738/mo
Today · 4.125%
HK$28,590
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,180/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,324
−HK$990/mo
Today · 4.125%
HK$33,314
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,628/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$949/mo
Today · 4.125%
HK$36,759
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$1,938/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,518/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,130 · 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).