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$17,474
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,018
−HK$552/mo
Today · 4.125%
HK$18,570
baseline
▲ 0.50% · 4.625%
HK$19,700
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,140/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$529/mo
Today · 4.125%
HK$20,490
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,980/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,969
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,621
−HK$663/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,640
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,328
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$634/mo
Today · 4.125%
HK$24,588
baseline
▲ 0.50% · 4.625%
HK$25,884
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,176/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,464
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$773/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$740/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,454
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$994/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$2,034/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,992
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$952/mo
Today · 4.125%
HK$36,882
baseline
▲ 0.50% · 4.625%
HK$38,827
+HK$1,945/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,764/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,900 · 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).