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$17,343
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$548/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,552
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,860/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,294
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$525/mo
Today · 4.125%
HK$20,336
baseline
▲ 0.50% · 4.625%
HK$21,408
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,672/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,459
−HK$658/mo
Today · 4.125%
HK$22,117
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,234/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,153
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$630/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,280
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$768/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$735/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,217
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$987/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$35,193
+HK$2,018/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,729
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,660
−HK$945/mo
Today · 4.125%
HK$36,605
baseline
▲ 0.50% · 4.625%
HK$38,535
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,210/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,171 · 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).