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$17,361
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$548/mo
Today · 4.125%
HK$18,450
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,900/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,314
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,832
−HK$526/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,834
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,482
−HK$658/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,487
+HK$1,347/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,177
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$631/mo
Today · 4.125%
HK$24,430
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,287/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,860/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$768/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,040
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$736/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,003
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$987/mo
Today · 4.125%
HK$33,210
baseline
▲ 0.50% · 4.625%
HK$35,231
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,420/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,698
−HK$946/mo
Today · 4.125%
HK$36,644
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$1,932/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,288/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,415 · 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).