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$17,391
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,932
−HK$549/mo
Today · 4.125%
HK$18,481
baseline
▲ 0.50% · 4.625%
HK$19,606
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,962/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$526/mo
Today · 4.125%
HK$20,392
baseline
▲ 0.50% · 4.625%
HK$21,467
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,784/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,869
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,518
−HK$660/mo
Today · 4.125%
HK$22,178
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,356/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,839
−HK$632/mo
Today · 4.125%
HK$24,471
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,942/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,347
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$770/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$737/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,054
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,303
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,277
−HK$989/mo
Today · 4.125%
HK$33,266
baseline
▲ 0.50% · 4.625%
HK$35,291
+HK$2,025/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,532/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,825
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,759
−HK$947/mo
Today · 4.125%
HK$36,706
baseline
▲ 0.50% · 4.625%
HK$38,641
+HK$1,935/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,412/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,800 · 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).