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$17,429
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,971
−HK$550/mo
Today · 4.125%
HK$18,521
baseline
▲ 0.50% · 4.625%
HK$19,648
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,042/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,909
−HK$528/mo
Today · 4.125%
HK$20,437
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,874/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,914
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,565
−HK$661/mo
Today · 4.125%
HK$22,226
baseline
▲ 0.50% · 4.625%
HK$23,578
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,452/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$633/mo
Today · 4.125%
HK$24,524
baseline
▲ 0.50% · 4.625%
HK$25,817
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,048/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,400
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,159
−HK$771/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,578/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$738/mo
Today · 4.125%
HK$28,611
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,222/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$992/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$950/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$1,939/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,298 · 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).