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$17,395
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,936
−HK$550/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,610
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,352
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$526/mo
Today · 4.125%
HK$20,397
baseline
▲ 0.50% · 4.625%
HK$21,472
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,794/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,874
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,523
−HK$660/mo
Today · 4.125%
HK$22,183
baseline
▲ 0.50% · 4.625%
HK$23,533
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,366/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,222
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$631/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$770/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$737/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,311
−HK$1,963/mo
▼ 0.25% · 3.875%
HK$32,285
−HK$989/mo
Today · 4.125%
HK$33,274
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,548/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,833
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,767
−HK$948/mo
Today · 4.125%
HK$36,715
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$1,935/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,430/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,854 · 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).