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$17,409
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,950
−HK$550/mo
Today · 4.125%
HK$18,500
baseline
▲ 0.50% · 4.625%
HK$19,626
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,000/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$526/mo
Today · 4.125%
HK$20,413
baseline
▲ 0.50% · 4.625%
HK$21,489
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,826/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,540
−HK$661/mo
Today · 4.125%
HK$22,201
baseline
▲ 0.50% · 4.625%
HK$23,551
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,402/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,241
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$632/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,372
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,130
−HK$771/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,841
−HK$738/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,085
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,336
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,311
−HK$990/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,327
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,861
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$948/mo
Today · 4.125%
HK$36,744
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$1,937/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,488/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,038 · 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).