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$17,419
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,961
−HK$550/mo
Today · 4.125%
HK$18,511
baseline
▲ 0.50% · 4.625%
HK$19,637
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,022/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,378
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$527/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,077/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,903
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,553
−HK$660/mo
Today · 4.125%
HK$22,213
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,426/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,254
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$633/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,292/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,386
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$771/mo
Today · 4.125%
HK$25,916
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,832/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$738/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,507/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,329
−HK$991/mo
Today · 4.125%
HK$33,320
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$2,027/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,640/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,881
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$949/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$38,703
+HK$1,938/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,169 · 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).