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$17,926
−HK$549/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$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,341
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$527/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,511
−HK$659/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$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$632/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,339
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$769/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,439
+HK$1,574/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$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$737/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,293
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$989/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$2,024/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,747
−HK$947/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$1,934/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,724 · 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).