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$17,414
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,956
−HK$550/mo
Today · 4.125%
HK$18,506
baseline
▲ 0.50% · 4.625%
HK$19,632
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,012/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,373
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,893
−HK$527/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,496
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,897
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$661/mo
Today · 4.125%
HK$22,208
baseline
▲ 0.50% · 4.625%
HK$23,559
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,416/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,871
−HK$633/mo
Today · 4.125%
HK$24,504
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,292/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$49,008/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,138
−HK$771/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$738/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,346
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,321
−HK$990/mo
Today · 4.125%
HK$33,311
baseline
▲ 0.50% · 4.625%
HK$35,338
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,622/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$949/mo
Today · 4.125%
HK$36,756
baseline
▲ 0.50% · 4.625%
HK$38,693
+HK$1,937/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,512/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,110 · 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).