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$17,389
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$550/mo
Today · 4.125%
HK$18,480
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,960/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$527/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,867
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$660/mo
Today · 4.125%
HK$22,176
baseline
▲ 0.50% · 4.625%
HK$23,525
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,352/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$632/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,345
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$770/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,446
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$737/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,301
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$990/mo
Today · 4.125%
HK$33,264
baseline
▲ 0.50% · 4.625%
HK$35,288
+HK$2,024/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,528/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,822
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$947/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$1,935/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,781 · 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).