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$17,389
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,930
−HK$549/mo
Today · 4.125%
HK$18,479
baseline
▲ 0.50% · 4.625%
HK$19,604
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,958/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,345
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,864
−HK$526/mo
Today · 4.125%
HK$20,390
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,780/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,867
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$659/mo
Today · 4.125%
HK$22,175
baseline
▲ 0.50% · 4.625%
HK$23,525
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,350/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,214
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$631/mo
Today · 4.125%
HK$24,468
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,936/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,345
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$769/mo
Today · 4.125%
HK$25,871
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,742/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,083
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$736/mo
Today · 4.125%
HK$28,546
baseline
▲ 0.50% · 4.625%
HK$30,051
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,092/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,300
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,274
−HK$989/mo
Today · 4.125%
HK$33,263
baseline
▲ 0.50% · 4.625%
HK$35,287
+HK$2,024/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$66,526/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,821
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$948/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,637
+HK$1,934/mo
Deposit HK$763K · loan HK$6.86M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,778 · 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).