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$17,379
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$549/mo
Today · 4.125%
HK$18,469
baseline
▲ 0.50% · 4.625%
HK$19,593
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,938/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,334
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,853
−HK$526/mo
Today · 4.125%
HK$20,379
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,758/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,855
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,504
−HK$659/mo
Today · 4.125%
HK$22,163
baseline
▲ 0.50% · 4.625%
HK$23,511
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,326/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$631/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,743
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,331
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$769/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$736/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,034
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,283
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,256
−HK$988/mo
Today · 4.125%
HK$33,244
baseline
▲ 0.50% · 4.625%
HK$35,267
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,488/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,801
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,735
−HK$947/mo
Today · 4.125%
HK$36,682
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,364/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,648 · 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).