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$17,357
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,897
−HK$548/mo
Today · 4.125%
HK$18,445
baseline
▲ 0.50% · 4.625%
HK$19,568
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,890/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,309
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$525/mo
Today · 4.125%
HK$20,352
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,704/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,828
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$658/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,347/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,171
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,793
−HK$630/mo
Today · 4.125%
HK$24,423
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,846/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,055
−HK$768/mo
Today · 4.125%
HK$25,823
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,646/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$735/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$29,995
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$987/mo
Today · 4.125%
HK$33,201
baseline
▲ 0.50% · 4.625%
HK$35,222
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,402/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,689
−HK$945/mo
Today · 4.125%
HK$36,634
baseline
▲ 0.50% · 4.625%
HK$38,566
+HK$1,932/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,268/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,354 · 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).