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$17,411
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,953
−HK$550/mo
Today · 4.125%
HK$18,503
baseline
▲ 0.50% · 4.625%
HK$19,629
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,006/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,370
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$527/mo
Today · 4.125%
HK$20,416
baseline
▲ 0.50% · 4.625%
HK$21,492
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,832/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$661/mo
Today · 4.125%
HK$22,204
baseline
▲ 0.50% · 4.625%
HK$23,555
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,408/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,244
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$632/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,791
+HK$1,292/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,376
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,134
−HK$770/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,480
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$738/mo
Today · 4.125%
HK$28,583
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,166/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,340
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$990/mo
Today · 4.125%
HK$33,305
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$2,027/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,610/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,801
−HK$948/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,686
+HK$1,937/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,069 · 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).