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$17,383
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,924
−HK$549/mo
Today · 4.125%
HK$18,473
baseline
▲ 0.50% · 4.625%
HK$19,597
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,946/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,857
−HK$526/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,458
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,859
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$660/mo
Today · 4.125%
HK$22,168
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,336/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,206
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$632/mo
Today · 4.125%
HK$24,460
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,920/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,336
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$769/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,074
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,800
−HK$736/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,072/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,289
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,263
−HK$988/mo
Today · 4.125%
HK$33,251
baseline
▲ 0.50% · 4.625%
HK$35,275
+HK$2,024/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,502/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,809
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,743
−HK$947/mo
Today · 4.125%
HK$36,690
baseline
▲ 0.50% · 4.625%
HK$38,624
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,380/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,697 · 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).