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$17,385
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,925
−HK$550/mo
Today · 4.125%
HK$18,475
baseline
▲ 0.50% · 4.625%
HK$19,599
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,950/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$526/mo
Today · 4.125%
HK$20,385
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,075/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,770/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,861
−HK$1,309/mo
▼ 0.25% · 3.875%
HK$21,510
−HK$660/mo
Today · 4.125%
HK$22,170
baseline
▲ 0.50% · 4.625%
HK$23,519
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,340/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,208
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$631/mo
Today · 4.125%
HK$24,462
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,924/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,338
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$770/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$737/mo
Today · 4.125%
HK$28,539
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,078/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$988/mo
Today · 4.125%
HK$33,254
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$2,024/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,508/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,812
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$947/mo
Today · 4.125%
HK$36,693
baseline
▲ 0.50% · 4.625%
HK$38,627
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,386/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,719 · 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).