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$17,410
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,951
−HK$551/mo
Today · 4.125%
HK$18,502
baseline
▲ 0.50% · 4.625%
HK$19,627
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,004/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,368
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$527/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,491
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,892
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$660/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,553
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,242
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$633/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,374
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,132
−HK$770/mo
Today · 4.125%
HK$25,902
baseline
▲ 0.50% · 4.625%
HK$27,478
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,804/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,116
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,843
−HK$738/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,087
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$990/mo
Today · 4.125%
HK$33,303
baseline
▲ 0.50% · 4.625%
HK$35,329
+HK$2,026/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$66,606/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,863
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,798
−HK$948/mo
Today · 4.125%
HK$36,746
baseline
▲ 0.50% · 4.625%
HK$38,683
+HK$1,937/mo
Deposit HK$764K · loan HK$6.87M · min. income ≈ HK$73,492/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$229,052 · 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).