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$17,375
−HK$1,090/mo
▼ 0.25% · 3.875%
HK$17,916
−HK$549/mo
Today · 4.125%
HK$18,465
baseline
▲ 0.50% · 4.625%
HK$19,588
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,930/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,848
−HK$526/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,448
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,850
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$659/mo
Today · 4.125%
HK$22,158
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,348/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,316/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,196
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$631/mo
Today · 4.125%
HK$24,449
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,289/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,898/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,325
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$769/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,424
+HK$1,573/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,062
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$737/mo
Today · 4.125%
HK$28,524
baseline
▲ 0.50% · 4.625%
HK$30,027
+HK$1,503/mo
Deposit HK$2.29M · loan HK$5.33M · min. income ≈ HK$57,048/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,275
−HK$1,961/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$988/mo
Today · 4.125%
HK$33,236
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$2,023/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$66,472/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,793
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$35,727
−HK$946/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,606
+HK$1,933/mo
Deposit HK$762K · loan HK$6.86M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$228,595 · 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).