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$17,405
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$550/mo
Today · 4.125%
HK$18,497
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,994/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$526/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,485
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,886
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,536
−HK$660/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,236
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,859
−HK$632/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,782
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,125
−HK$771/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$737/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,079
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,330
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$990/mo
Today · 4.125%
HK$33,294
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,588/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$948/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,673
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,993 · 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).