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$17,377
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,918
−HK$549/mo
Today · 4.125%
HK$18,467
baseline
▲ 0.50% · 4.625%
HK$19,590
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,934/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,332
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$526/mo
Today · 4.125%
HK$20,376
baseline
▲ 0.50% · 4.625%
HK$21,450
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,752/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,852
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$659/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,508
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,198
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$631/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,740
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,328
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$768/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,574/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,064
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$737/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,279
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$988/mo
Today · 4.125%
HK$33,240
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,480/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,797
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$947/mo
Today · 4.125%
HK$36,677
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,354/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,620 · 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).