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$17,354
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,894
−HK$548/mo
Today · 4.125%
HK$18,442
baseline
▲ 0.50% · 4.625%
HK$19,564
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,884/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,306
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$525/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,422
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,825
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,472
−HK$658/mo
Today · 4.125%
HK$22,130
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,347/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,260/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$631/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,706
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$768/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$736/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,237
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,209
−HK$987/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,751
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$945/mo
Today · 4.125%
HK$36,628
baseline
▲ 0.50% · 4.625%
HK$38,559
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,256/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,314 · 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).