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$17,374
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$549/mo
Today · 4.125%
HK$18,464
baseline
▲ 0.50% · 4.625%
HK$19,587
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,928/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,329
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$526/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$659/mo
Today · 4.125%
HK$22,157
baseline
▲ 0.50% · 4.625%
HK$23,505
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,314/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,817
−HK$631/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,736
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,324
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$768/mo
Today · 4.125%
HK$25,849
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,698/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$736/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,274
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$988/mo
Today · 4.125%
HK$33,235
baseline
▲ 0.50% · 4.625%
HK$35,257
+HK$2,022/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,470/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,792
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,725
−HK$946/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,604
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,584 · 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).