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$17,402
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,944
−HK$549/mo
Today · 4.125%
HK$18,493
baseline
▲ 0.50% · 4.625%
HK$19,619
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,986/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,360
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,879
−HK$527/mo
Today · 4.125%
HK$20,406
baseline
▲ 0.50% · 4.625%
HK$21,481
+HK$1,075/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,812/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,883
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,532
−HK$660/mo
Today · 4.125%
HK$22,192
baseline
▲ 0.50% · 4.625%
HK$23,543
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,384/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$632/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,778
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$770/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$737/mo
Today · 4.125%
HK$28,568
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,136/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,324
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$990/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,782
−HK$948/mo
Today · 4.125%
HK$36,730
baseline
▲ 0.50% · 4.625%
HK$38,666
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,460/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,951 · 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).