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$17,384
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,925
−HK$549/mo
Today · 4.125%
HK$18,474
baseline
▲ 0.50% · 4.625%
HK$19,598
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,948/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,339
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$526/mo
Today · 4.125%
HK$20,384
baseline
▲ 0.50% · 4.625%
HK$21,459
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,768/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$660/mo
Today · 4.125%
HK$22,169
baseline
▲ 0.50% · 4.625%
HK$23,518
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,338/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,207
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$631/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,337
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,094
−HK$770/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,437
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,075
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,801
−HK$737/mo
Today · 4.125%
HK$28,538
baseline
▲ 0.50% · 4.625%
HK$30,042
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,076/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,291
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,264
−HK$989/mo
Today · 4.125%
HK$33,253
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,506/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,811
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$947/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,626
+HK$1,935/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,709 · 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).