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$17,361
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,901
−HK$549/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,572
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,314
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,832
−HK$525/mo
Today · 4.125%
HK$20,357
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,714/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$659/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,347/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$631/mo
Today · 4.125%
HK$24,429
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,858/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,305
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$769/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$735/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,503/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,250
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$988/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,765
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$945/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$1,932/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,409 · 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).