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$228,920 · 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$228,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,309/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$228,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,229
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$632/mo
Today · 4.125%
HK$24,484
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,968/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,360
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$770/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,576/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$228,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$737/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,506/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$228,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,320
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,294
−HK$990/mo
Today · 4.125%
HK$33,284
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,568/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,843
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$948/mo
Today · 4.125%
HK$36,725
baseline
▲ 0.50% · 4.625%
HK$38,661
+HK$1,936/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$228,920 · 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).