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$17,367
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$549/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,320
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$526/mo
Today · 4.125%
HK$20,364
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,728/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,840
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,488
−HK$659/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,347/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,184
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,806
−HK$631/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,725
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,313
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$768/mo
Today · 4.125%
HK$25,838
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,676/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,048
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$736/mo
Today · 4.125%
HK$28,510
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,020/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,260
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$988/mo
Today · 4.125%
HK$33,220
baseline
▲ 0.50% · 4.625%
HK$35,242
+HK$2,022/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$66,440/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,776
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,709
−HK$946/mo
Today · 4.125%
HK$36,655
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$1,932/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$73,310/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,483 · 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).