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$17,342
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,881
−HK$548/mo
Today · 4.125%
HK$18,429
baseline
▲ 0.50% · 4.625%
HK$19,550
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,858/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,292
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$525/mo
Today · 4.125%
HK$20,335
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,670/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,810
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,457
−HK$658/mo
Today · 4.125%
HK$22,115
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,230/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,151
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$630/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,688
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,278
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$768/mo
Today · 4.125%
HK$25,801
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,602/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$734/mo
Today · 4.125%
HK$28,468
baseline
▲ 0.50% · 4.625%
HK$29,969
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,936/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,215
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,186
−HK$986/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$2,019/mo
Deposit HK$761K · loan HK$6.84M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,726
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,657
−HK$945/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,532
+HK$1,930/mo
Deposit HK$761K · loan HK$6.84M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,153 · 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).