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$17,404
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,945
−HK$550/mo
Today · 4.125%
HK$18,495
baseline
▲ 0.50% · 4.625%
HK$19,621
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,990/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,881
−HK$527/mo
Today · 4.125%
HK$20,408
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,075/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,816/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$660/mo
Today · 4.125%
HK$22,194
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,388/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$632/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,365
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$770/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,106
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$738/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,327
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$991/mo
Today · 4.125%
HK$33,292
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,584/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,851
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,786
−HK$948/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,468/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,974 · 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).