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$17,372
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,913
−HK$549/mo
Today · 4.125%
HK$18,462
baseline
▲ 0.50% · 4.625%
HK$19,585
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,924/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,326
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$19,845
−HK$526/mo
Today · 4.125%
HK$20,371
baseline
▲ 0.50% · 4.625%
HK$21,444
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,742/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,847
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,495
−HK$659/mo
Today · 4.125%
HK$22,154
baseline
▲ 0.50% · 4.625%
HK$23,502
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,308/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,192
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,814
−HK$631/mo
Today · 4.125%
HK$24,445
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,890/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,321
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$768/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,419
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$736/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,270
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,243
−HK$988/mo
Today · 4.125%
HK$33,231
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$2,022/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,462/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,788
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$946/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,600
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,557 · 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).