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$17,362
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$549/mo
Today · 4.125%
HK$18,451
baseline
▲ 0.50% · 4.625%
HK$19,574
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,902/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,833
−HK$526/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,432
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,835
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,483
−HK$658/mo
Today · 4.125%
HK$22,141
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,282/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,179
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,800
−HK$631/mo
Today · 4.125%
HK$24,431
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,862/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,307
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$769/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,042
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$736/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,005
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$988/mo
Today · 4.125%
HK$33,212
baseline
▲ 0.50% · 4.625%
HK$35,233
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,424/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,768
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,700
−HK$946/mo
Today · 4.125%
HK$36,646
baseline
▲ 0.50% · 4.625%
HK$38,578
+HK$1,932/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,292/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,427 · 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).