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$17,401
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,943
−HK$550/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,618
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,359
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,878
−HK$527/mo
Today · 4.125%
HK$20,405
baseline
▲ 0.50% · 4.625%
HK$21,480
+HK$1,075/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,810/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$660/mo
Today · 4.125%
HK$22,191
baseline
▲ 0.50% · 4.625%
HK$23,541
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,382/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,231
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$632/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$770/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,102
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$738/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,322
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,297
−HK$990/mo
Today · 4.125%
HK$33,287
baseline
▲ 0.50% · 4.625%
HK$35,312
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,574/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,846
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,780
−HK$948/mo
Today · 4.125%
HK$36,728
baseline
▲ 0.50% · 4.625%
HK$38,664
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,456/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,940 · 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).