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$17,376
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,917
−HK$549/mo
Today · 4.125%
HK$18,466
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,932/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,331
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,849
−HK$526/mo
Today · 4.125%
HK$20,375
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,750/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,852
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,500
−HK$659/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,508
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,318/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,197
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$632/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,739
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,327
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$768/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,425
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,063
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$737/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,029
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,277
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$989/mo
Today · 4.125%
HK$33,239
baseline
▲ 0.50% · 4.625%
HK$35,261
+HK$2,022/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,478/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,796
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,729
−HK$947/mo
Today · 4.125%
HK$36,676
baseline
▲ 0.50% · 4.625%
HK$38,609
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,352/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,611 · 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).