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$17,382
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$549/mo
Today · 4.125%
HK$18,472
baseline
▲ 0.50% · 4.625%
HK$19,596
+HK$1,124/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,944/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,337
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,856
−HK$526/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,456
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,858
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$659/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,349/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,205
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$631/mo
Today · 4.125%
HK$24,458
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,290/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,916/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,335
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$769/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,072
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,798
−HK$737/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,504/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,288
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$989/mo
Today · 4.125%
HK$33,250
baseline
▲ 0.50% · 4.625%
HK$35,273
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,500/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,807
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$947/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,685 · 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).