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$17,358
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,898
−HK$549/mo
Today · 4.125%
HK$18,447
baseline
▲ 0.50% · 4.625%
HK$19,569
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,894/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,311
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,829
−HK$525/mo
Today · 4.125%
HK$20,354
baseline
▲ 0.50% · 4.625%
HK$21,427
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,708/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,830
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,478
−HK$658/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,347/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,795
−HK$630/mo
Today · 4.125%
HK$24,425
baseline
▲ 0.50% · 4.625%
HK$25,713
+HK$1,288/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,850/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,302
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$768/mo
Today · 4.125%
HK$25,826
baseline
▲ 0.50% · 4.625%
HK$27,397
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,652/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,035
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$736/mo
Today · 4.125%
HK$28,496
baseline
▲ 0.50% · 4.625%
HK$29,998
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,992/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$987/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$2,021/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,760
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$946/mo
Today · 4.125%
HK$36,638
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,276/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,373 · 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).