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$17,367
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,907
−HK$549/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,579
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,839
−HK$526/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,438
+HK$1,073/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$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,841
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$658/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,495
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,185
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$630/mo
Today · 4.125%
HK$24,437
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,874/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,314
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$769/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,049
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$736/mo
Today · 4.125%
HK$28,510
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,503/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,020/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,261
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,233
−HK$988/mo
Today · 4.125%
HK$33,221
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$2,022/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$66,442/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,777
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,710
−HK$946/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,588
+HK$1,932/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,489 · 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).