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$17,369
−HK$1,089/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$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,841
−HK$526/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,843
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,491
−HK$659/mo
Today · 4.125%
HK$22,150
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,300/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,187
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,809
−HK$631/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,317
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$769/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,572/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$736/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,264
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$988/mo
Today · 4.125%
HK$33,225
baseline
▲ 0.50% · 4.625%
HK$35,246
+HK$2,021/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,450/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,781
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,714
−HK$946/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,593
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,515 · 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).