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$17,347
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$549/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$525/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,816
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,464
−HK$658/mo
Today · 4.125%
HK$22,122
baseline
▲ 0.50% · 4.625%
HK$23,468
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,244/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,779
−HK$630/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,696
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$767/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,616/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$735/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,224
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$986/mo
Today · 4.125%
HK$33,182
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,364/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,737
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$945/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,543
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,222 · 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).