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$17,400
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,941
−HK$550/mo
Today · 4.125%
HK$18,491
baseline
▲ 0.50% · 4.625%
HK$19,616
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,982/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,876
−HK$527/mo
Today · 4.125%
HK$20,403
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,075/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,806/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,879
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,529
−HK$660/mo
Today · 4.125%
HK$22,189
baseline
▲ 0.50% · 4.625%
HK$23,539
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,378/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,228
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$632/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$770/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,099
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$738/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,319
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$990/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,308
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$948/mo
Today · 4.125%
HK$36,725
baseline
▲ 0.50% · 4.625%
HK$38,660
+HK$1,935/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,450/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,916 · 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).