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$17,403
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$550/mo
Today · 4.125%
HK$18,494
baseline
▲ 0.50% · 4.625%
HK$19,620
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,988/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$527/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,482
+HK$1,075/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,884
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,533
−HK$660/mo
Today · 4.125%
HK$22,193
baseline
▲ 0.50% · 4.625%
HK$23,544
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,386/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,856
−HK$632/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$770/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,105
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,832
−HK$737/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,075
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,326
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$990/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,849
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$948/mo
Today · 4.125%
HK$36,732
baseline
▲ 0.50% · 4.625%
HK$38,668
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,464/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,963 · 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).