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$17,406
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$550/mo
Today · 4.125%
HK$18,498
baseline
▲ 0.50% · 4.625%
HK$19,623
+HK$1,125/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,996/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$526/mo
Today · 4.125%
HK$20,410
baseline
▲ 0.50% · 4.625%
HK$21,486
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,820/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$660/mo
Today · 4.125%
HK$22,197
baseline
▲ 0.50% · 4.625%
HK$23,548
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,394/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,860
−HK$632/mo
Today · 4.125%
HK$24,492
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,984/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,369
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,127
−HK$770/mo
Today · 4.125%
HK$25,897
baseline
▲ 0.50% · 4.625%
HK$27,473
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,794/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,110
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$738/mo
Today · 4.125%
HK$28,575
baseline
▲ 0.50% · 4.625%
HK$30,081
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,150/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$990/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$949/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,003 · 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).