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$17,360
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,900
−HK$549/mo
Today · 4.125%
HK$18,449
baseline
▲ 0.50% · 4.625%
HK$19,571
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,898/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,313
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,831
−HK$526/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,430
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,832
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$659/mo
Today · 4.125%
HK$22,139
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,347/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,278/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,176
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$631/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,287/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,060
−HK$768/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,038
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$736/mo
Today · 4.125%
HK$28,499
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,998/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,248
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$988/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$35,229
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$946/mo
Today · 4.125%
HK$36,642
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,284/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,399 · 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).