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$17,371
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,911
−HK$549/mo
Today · 4.125%
HK$18,460
baseline
▲ 0.50% · 4.625%
HK$19,584
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,920/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,325
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,843
−HK$526/mo
Today · 4.125%
HK$20,369
baseline
▲ 0.50% · 4.625%
HK$21,443
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,738/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,845
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$658/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,500
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$631/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,731
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,319
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$769/mo
Today · 4.125%
HK$25,845
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,572/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,690/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$736/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,268
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,241
−HK$988/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$2,022/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,785
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,718
−HK$947/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,597
+HK$1,932/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,541 · 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).