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$17,387
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,928
−HK$549/mo
Today · 4.125%
HK$18,477
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,954/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,343
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$527/mo
Today · 4.125%
HK$20,388
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,776/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,864
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,513
−HK$660/mo
Today · 4.125%
HK$22,173
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,346/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$631/mo
Today · 4.125%
HK$24,465
baseline
▲ 0.50% · 4.625%
HK$25,755
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,930/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,342
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$769/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,442
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,080
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$737/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$989/mo
Today · 4.125%
HK$33,259
baseline
▲ 0.50% · 4.625%
HK$35,283
+HK$2,024/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,518/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,817
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,751
−HK$947/mo
Today · 4.125%
HK$36,698
baseline
▲ 0.50% · 4.625%
HK$38,632
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,396/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,749 · 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).