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$17,368
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,909
−HK$549/mo
Today · 4.125%
HK$18,458
baseline
▲ 0.50% · 4.625%
HK$19,581
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,916/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,322
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$526/mo
Today · 4.125%
HK$20,366
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,732/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,842
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,490
−HK$659/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,497
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,187
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,808
−HK$631/mo
Today · 4.125%
HK$24,439
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,878/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,316
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$769/mo
Today · 4.125%
HK$25,841
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,572/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,682/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,051
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$736/mo
Today · 4.125%
HK$28,513
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,502/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,026/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,263
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,236
−HK$988/mo
Today · 4.125%
HK$33,224
baseline
▲ 0.50% · 4.625%
HK$35,245
+HK$2,021/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,448/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,780
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$946/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,591
+HK$1,932/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,506 · 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).