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$1,091/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$549/mo
Today · 4.125%
HK$18,485
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,970/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,870
−HK$527/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$659/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,532
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,844
−HK$632/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,352
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$769/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,454
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,818
−HK$737/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,310
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$989/mo
Today · 4.125%
HK$33,273
baseline
▲ 0.50% · 4.625%
HK$35,298
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,546/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,832
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,766
−HK$948/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,649
+HK$1,935/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,849 · 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).