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$17,340
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,880
−HK$548/mo
Today · 4.125%
HK$18,428
baseline
▲ 0.50% · 4.625%
HK$19,549
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,856/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,291
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$525/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,809
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,456
−HK$657/mo
Today · 4.125%
HK$22,113
baseline
▲ 0.50% · 4.625%
HK$23,459
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,226/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,149
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$630/mo
Today · 4.125%
HK$24,400
baseline
▲ 0.50% · 4.625%
HK$25,686
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,800/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,277
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$767/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,369
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,008
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,732
−HK$735/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$986/mo
Today · 4.125%
HK$33,170
baseline
▲ 0.50% · 4.625%
HK$35,188
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,340/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,724
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,655
−HK$945/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,529
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,139 · 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).