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$17,390
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,931
−HK$550/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,605
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$526/mo
Today · 4.125%
HK$20,392
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,784/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$659/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$631/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,347
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$769/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$737/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,303
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,276
−HK$990/mo
Today · 4.125%
HK$33,266
baseline
▲ 0.50% · 4.625%
HK$35,290
+HK$2,024/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,532/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,824
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,758
−HK$947/mo
Today · 4.125%
HK$36,705
baseline
▲ 0.50% · 4.625%
HK$38,640
+HK$1,935/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,410/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,796 · 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).