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$17,369
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,910
−HK$549/mo
Today · 4.125%
HK$18,459
baseline
▲ 0.50% · 4.625%
HK$19,582
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,918/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$525/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,441
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,843
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,492
−HK$658/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,188
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,810
−HK$631/mo
Today · 4.125%
HK$24,441
baseline
▲ 0.50% · 4.625%
HK$25,729
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,882/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$768/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,053
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$736/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,265
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$989/mo
Today · 4.125%
HK$33,226
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$2,021/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,452/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,782
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$946/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,594
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,520 · 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).