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$17,364
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$548/mo
Today · 4.125%
HK$18,452
baseline
▲ 0.50% · 4.625%
HK$19,575
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,904/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$525/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,836
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$659/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,490
+HK$1,347/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$630/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,065
−HK$768/mo
Today · 4.125%
HK$25,833
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,666/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$736/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,254
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$987/mo
Today · 4.125%
HK$33,214
baseline
▲ 0.50% · 4.625%
HK$35,235
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,428/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,770
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$946/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,580
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,442 · 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).