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$17,364
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,904
−HK$549/mo
Today · 4.125%
HK$18,453
baseline
▲ 0.50% · 4.625%
HK$19,576
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,906/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,317
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,835
−HK$526/mo
Today · 4.125%
HK$20,361
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,722/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,837
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,485
−HK$658/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,491
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,181
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$631/mo
Today · 4.125%
HK$24,433
baseline
▲ 0.50% · 4.625%
HK$25,721
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,866/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,309
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,066
−HK$768/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,406
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,044
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$736/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,008
+HK$1,503/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,255
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,227
−HK$988/mo
Today · 4.125%
HK$33,215
baseline
▲ 0.50% · 4.625%
HK$35,236
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,430/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,771
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,703
−HK$946/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$1,932/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,447 · 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).