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$17,393
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,934
−HK$549/mo
Today · 4.125%
HK$18,483
baseline
▲ 0.50% · 4.625%
HK$19,608
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,966/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,349
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,868
−HK$527/mo
Today · 4.125%
HK$20,395
baseline
▲ 0.50% · 4.625%
HK$21,470
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,790/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$660/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,842
−HK$631/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,350
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$770/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$737/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$989/mo
Today · 4.125%
HK$33,270
baseline
▲ 0.50% · 4.625%
HK$35,294
+HK$2,024/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,540/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,828
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,763
−HK$947/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,645
+HK$1,935/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,825 · 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).