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$17,368
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,908
−HK$549/mo
Today · 4.125%
HK$18,457
baseline
▲ 0.50% · 4.625%
HK$19,580
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,914/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,322
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$525/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,439
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,841
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,490
−HK$658/mo
Today · 4.125%
HK$22,148
baseline
▲ 0.50% · 4.625%
HK$23,496
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,296/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,808
−HK$630/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,727
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,315
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,071
−HK$769/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$736/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,014
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,262
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$988/mo
Today · 4.125%
HK$33,222
baseline
▲ 0.50% · 4.625%
HK$35,244
+HK$2,022/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$66,444/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,779
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$947/mo
Today · 4.125%
HK$36,658
baseline
▲ 0.50% · 4.625%
HK$38,590
+HK$1,932/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$73,316/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,499 · 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).