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$17,405
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,946
−HK$550/mo
Today · 4.125%
HK$18,496
baseline
▲ 0.50% · 4.625%
HK$19,622
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,992/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,363
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$527/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,485
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,886
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$661/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,546
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,235
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$633/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,782
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,125
−HK$770/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,108
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$737/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,303
−HK$990/mo
Today · 4.125%
HK$33,293
baseline
▲ 0.50% · 4.625%
HK$35,319
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,586/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,853
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,788
−HK$948/mo
Today · 4.125%
HK$36,736
baseline
▲ 0.50% · 4.625%
HK$38,672
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,472/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,986 · 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).