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$17,420
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,962
−HK$551/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,639
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,380
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,900
−HK$527/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,504
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,555
−HK$660/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,880
−HK$632/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$771/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,860
−HK$738/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,105
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,357
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$991/mo
Today · 4.125%
HK$33,323
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,646/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,884
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$950/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$1,938/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,190 · 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).