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$17,355
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$548/mo
Today · 4.125%
HK$18,443
baseline
▲ 0.50% · 4.625%
HK$19,565
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,886/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$525/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,423
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$658/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,478
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,790
−HK$630/mo
Today · 4.125%
HK$24,420
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,840/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,297
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$768/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,030
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,755
−HK$735/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$29,992
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$988/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$35,218
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$945/mo
Today · 4.125%
HK$36,630
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,260/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,327 · 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).