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$17,398
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,939
−HK$550/mo
Today · 4.125%
HK$18,489
baseline
▲ 0.50% · 4.625%
HK$19,614
+HK$1,125/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,978/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,355
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$527/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,877
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,527
−HK$660/mo
Today · 4.125%
HK$22,187
baseline
▲ 0.50% · 4.625%
HK$23,537
+HK$1,350/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,374/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,226
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$632/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,771
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$769/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,575/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,824
−HK$737/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,505/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,316
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$990/mo
Today · 4.125%
HK$33,280
baseline
▲ 0.50% · 4.625%
HK$35,305
+HK$2,025/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,560/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,839
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$948/mo
Today · 4.125%
HK$36,721
baseline
▲ 0.50% · 4.625%
HK$38,657
+HK$1,936/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,442/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$228,894 · 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).