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$17,397
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$549/mo
Today · 4.125%
HK$18,488
baseline
▲ 0.50% · 4.625%
HK$19,613
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,976/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,354
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$526/mo
Today · 4.125%
HK$20,400
baseline
▲ 0.50% · 4.625%
HK$21,475
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,800/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,877
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,526
−HK$660/mo
Today · 4.125%
HK$22,186
baseline
▲ 0.50% · 4.625%
HK$23,536
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,372/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,225
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$632/mo
Today · 4.125%
HK$24,480
baseline
▲ 0.50% · 4.625%
HK$25,771
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,960/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,356
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$770/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,096
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,823
−HK$737/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,315
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,289
−HK$990/mo
Today · 4.125%
HK$33,279
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,558/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,838
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$948/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,888 · 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).