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$17,381
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,921
−HK$550/mo
Today · 4.125%
HK$18,471
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,942/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,336
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$526/mo
Today · 4.125%
HK$20,381
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,762/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,857
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$659/mo
Today · 4.125%
HK$22,165
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,330/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$632/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,333
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,090
−HK$769/mo
Today · 4.125%
HK$25,859
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,718/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,796
−HK$737/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,037
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,285
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$988/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,805
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$947/mo
Today · 4.125%
HK$36,685
baseline
▲ 0.50% · 4.625%
HK$38,619
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,370/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,669 · 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).