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$17,388
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,929
−HK$550/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,603
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$526/mo
Today · 4.125%
HK$20,389
baseline
▲ 0.50% · 4.625%
HK$21,464
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,778/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,866
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,515
−HK$659/mo
Today · 4.125%
HK$22,174
baseline
▲ 0.50% · 4.625%
HK$23,524
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,348/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,213
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,836
−HK$631/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,343
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$769/mo
Today · 4.125%
HK$25,870
baseline
▲ 0.50% · 4.625%
HK$27,444
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,740/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,808
−HK$737/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,050
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,299
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$989/mo
Today · 4.125%
HK$33,261
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$2,024/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,522/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,820
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,753
−HK$948/mo
Today · 4.125%
HK$36,701
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$1,934/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,402/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,767 · 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).