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$17,379
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,919
−HK$549/mo
Today · 4.125%
HK$18,468
baseline
▲ 0.50% · 4.625%
HK$19,592
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,936/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,333
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$526/mo
Today · 4.125%
HK$20,378
baseline
▲ 0.50% · 4.625%
HK$21,452
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,756/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,854
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$659/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,200
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,822
−HK$632/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,330
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$769/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,067
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$736/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,281
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$989/mo
Today · 4.125%
HK$33,243
baseline
▲ 0.50% · 4.625%
HK$35,266
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,486/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,800
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,734
−HK$946/mo
Today · 4.125%
HK$36,680
baseline
▲ 0.50% · 4.625%
HK$38,614
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,360/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,640 · 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).