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$17,424
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,966
−HK$550/mo
Today · 4.125%
HK$18,516
baseline
▲ 0.50% · 4.625%
HK$19,643
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,032/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$527/mo
Today · 4.125%
HK$20,431
baseline
▲ 0.50% · 4.625%
HK$21,508
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,862/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,909
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,559
−HK$661/mo
Today · 4.125%
HK$22,220
baseline
▲ 0.50% · 4.625%
HK$23,572
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,440/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,261
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,884
−HK$633/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$25,810
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,152
−HK$771/mo
Today · 4.125%
HK$25,923
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,846/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,865
−HK$739/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,111
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,363
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,338
−HK$992/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,358
+HK$2,028/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,891
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,827
−HK$949/mo
Today · 4.125%
HK$36,776
baseline
▲ 0.50% · 4.625%
HK$38,714
+HK$1,938/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,552/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,236 · 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).