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$17,350
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$549/mo
Today · 4.125%
HK$18,438
baseline
▲ 0.50% · 4.625%
HK$19,560
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,876/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,301
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,819
−HK$525/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,416
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,820
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$658/mo
Today · 4.125%
HK$22,125
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,250/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,162
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,783
−HK$630/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,700
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,290
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$768/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$735/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$987/mo
Today · 4.125%
HK$33,188
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,376/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,742
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,674
−HK$945/mo
Today · 4.125%
HK$36,619
baseline
▲ 0.50% · 4.625%
HK$38,550
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,238/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,260 · 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).