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$17,365
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,905
−HK$549/mo
Today · 4.125%
HK$18,454
baseline
▲ 0.50% · 4.625%
HK$19,577
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,908/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,318
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,836
−HK$526/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,838
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$658/mo
Today · 4.125%
HK$22,144
baseline
▲ 0.50% · 4.625%
HK$23,492
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,288/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$630/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,311
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$768/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,045
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$736/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,257
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$988/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$2,021/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,773
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,705
−HK$946/mo
Today · 4.125%
HK$36,651
baseline
▲ 0.50% · 4.625%
HK$38,583
+HK$1,932/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$73,302/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,459 · 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).