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$17,352
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$548/mo
Today · 4.125%
HK$18,440
baseline
▲ 0.50% · 4.625%
HK$19,562
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,880/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$525/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,470
−HK$658/mo
Today · 4.125%
HK$22,128
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,347/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,256/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$630/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,293
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,048
−HK$768/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,387
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,025
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$736/mo
Today · 4.125%
HK$28,486
baseline
▲ 0.50% · 4.625%
HK$29,987
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,972/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,205
−HK$987/mo
Today · 4.125%
HK$33,192
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,384/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,747
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$945/mo
Today · 4.125%
HK$36,624
baseline
▲ 0.50% · 4.625%
HK$38,555
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,248/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,290 · 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).