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$17,396
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,937
−HK$550/mo
Today · 4.125%
HK$18,487
baseline
▲ 0.50% · 4.625%
HK$19,612
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,974/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,353
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,872
−HK$527/mo
Today · 4.125%
HK$20,399
baseline
▲ 0.50% · 4.625%
HK$21,474
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,798/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$659/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,534
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,224
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$632/mo
Today · 4.125%
HK$24,478
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,956/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,355
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$770/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,094
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$737/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,063
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,313
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,287
−HK$990/mo
Today · 4.125%
HK$33,277
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$2,024/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,554/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,835
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$947/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,653
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,871 · 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).