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$17,391
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,932
−HK$550/mo
Today · 4.125%
HK$18,482
baseline
▲ 0.50% · 4.625%
HK$19,607
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,964/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,348
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$526/mo
Today · 4.125%
HK$20,393
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,786/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,870
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,519
−HK$659/mo
Today · 4.125%
HK$22,178
baseline
▲ 0.50% · 4.625%
HK$23,528
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,356/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,217
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$632/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,348
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$770/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$737/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,304
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$990/mo
Today · 4.125%
HK$33,268
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$2,024/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,536/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,826
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,760
−HK$947/mo
Today · 4.125%
HK$36,707
baseline
▲ 0.50% · 4.625%
HK$38,642
+HK$1,935/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,414/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,809 · 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).