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$17,399
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,940
−HK$550/mo
Today · 4.125%
HK$18,490
baseline
▲ 0.50% · 4.625%
HK$19,615
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,980/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,356
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$526/mo
Today · 4.125%
HK$20,402
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,804/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,879
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$659/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,228
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$632/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,773
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$769/mo
Today · 4.125%
HK$25,886
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,772/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$737/mo
Today · 4.125%
HK$28,563
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,126/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,319
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$990/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,308
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$948/mo
Today · 4.125%
HK$36,724
baseline
▲ 0.50% · 4.625%
HK$38,660
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,448/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,912 · 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).