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$17,386
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,927
−HK$549/mo
Today · 4.125%
HK$18,476
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,952/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,342
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$526/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,462
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,512
−HK$660/mo
Today · 4.125%
HK$22,172
baseline
▲ 0.50% · 4.625%
HK$23,521
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,344/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,210
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$631/mo
Today · 4.125%
HK$24,464
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,928/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,341
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$769/mo
Today · 4.125%
HK$25,867
baseline
▲ 0.50% · 4.625%
HK$27,441
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,734/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,805
−HK$737/mo
Today · 4.125%
HK$28,542
baseline
▲ 0.50% · 4.625%
HK$30,046
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,084/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,269
−HK$989/mo
Today · 4.125%
HK$33,258
baseline
▲ 0.50% · 4.625%
HK$35,281
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,516/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,816
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,749
−HK$948/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,741 · 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).