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$17,366
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,906
−HK$549/mo
Today · 4.125%
HK$18,455
baseline
▲ 0.50% · 4.625%
HK$19,578
+HK$1,123/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,910/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,319
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$19,838
−HK$525/mo
Today · 4.125%
HK$20,363
baseline
▲ 0.50% · 4.625%
HK$21,437
+HK$1,074/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,726/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,839
−HK$1,307/mo
▼ 0.25% · 3.875%
HK$21,487
−HK$659/mo
Today · 4.125%
HK$22,146
baseline
▲ 0.50% · 4.625%
HK$23,493
+HK$1,347/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$44,292/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,183
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$23,805
−HK$631/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,288/mo
Deposit HK$3.05M · loan HK$4.57M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,312
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,069
−HK$768/mo
Today · 4.125%
HK$25,837
baseline
▲ 0.50% · 4.625%
HK$27,409
+HK$1,572/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,674/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$736/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,259
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,231
−HK$988/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$35,240
+HK$2,021/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,775
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,708
−HK$946/mo
Today · 4.125%
HK$36,654
baseline
▲ 0.50% · 4.625%
HK$38,586
+HK$1,932/mo
Deposit HK$762K · loan HK$6.85M · min. income ≈ HK$73,308/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$228,474 · 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).