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$17,413
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,954
−HK$551/mo
Today · 4.125%
HK$18,505
baseline
▲ 0.50% · 4.625%
HK$19,631
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,010/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,891
−HK$527/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,895
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$661/mo
Today · 4.125%
HK$22,206
baseline
▲ 0.50% · 4.625%
HK$23,557
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,412/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$633/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,378
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$770/mo
Today · 4.125%
HK$25,906
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,812/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,120
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$738/mo
Today · 4.125%
HK$28,585
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,170/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,343
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$990/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,335
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,804
−HK$948/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$1,938/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,089 · 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).