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$17,394
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,935
−HK$549/mo
Today · 4.125%
HK$18,484
baseline
▲ 0.50% · 4.625%
HK$19,609
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,968/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,350
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$527/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,471
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$659/mo
Today · 4.125%
HK$22,181
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,362/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,843
−HK$632/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,351
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$769/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,090
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$737/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,059
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,309
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,283
−HK$989/mo
Today · 4.125%
HK$33,272
baseline
▲ 0.50% · 4.625%
HK$35,296
+HK$2,024/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,544/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,831
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$947/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$1,935/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,839 · 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).