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$17,422
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,964
−HK$550/mo
Today · 4.125%
HK$18,514
baseline
▲ 0.50% · 4.625%
HK$19,641
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,028/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,382
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,901
−HK$528/mo
Today · 4.125%
HK$20,429
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,858/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,906
−HK$1,311/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$661/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,569
+HK$1,352/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,258
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$632/mo
Today · 4.125%
HK$24,514
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.58M · min. income ≈ HK$49,028/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$771/mo
Today · 4.125%
HK$25,920
baseline
▲ 0.50% · 4.625%
HK$27,497
+HK$1,577/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,840/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,134
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,862
−HK$738/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,108
+HK$1,508/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$991/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$2,027/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,887
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,822
−HK$950/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$38,710
+HK$1,938/mo
Deposit HK$764K · loan HK$6.88M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,208 · 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).