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$17,351
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$548/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,303
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$525/mo
Today · 4.125%
HK$20,345
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,073/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,690/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,821
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,469
−HK$658/mo
Today · 4.125%
HK$22,127
baseline
▲ 0.50% · 4.625%
HK$23,473
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,254/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,163
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$631/mo
Today · 4.125%
HK$24,415
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,830/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,291
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$767/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$736/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,232
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$987/mo
Today · 4.125%
HK$33,190
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,380/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,745
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,677
−HK$945/mo
Today · 4.125%
HK$36,622
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,244/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,275 · 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).