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$1,089/mo
▼ 0.25% · 3.875%
HK$17,914
−HK$549/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,328
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,846
−HK$526/mo
Today · 4.125%
HK$20,372
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,744/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,497
−HK$659/mo
Today · 4.125%
HK$22,156
baseline
▲ 0.50% · 4.625%
HK$23,504
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,312/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,815
−HK$631/mo
Today · 4.125%
HK$24,446
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,892/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,323
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$769/mo
Today · 4.125%
HK$25,848
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,696/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$736/mo
Today · 4.125%
HK$28,521
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,042/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,272
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,245
−HK$988/mo
Today · 4.125%
HK$33,233
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,466/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,723
−HK$947/mo
Today · 4.125%
HK$36,670
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,340/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,574 · 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).