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$17,332
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$547/mo
Today · 4.125%
HK$18,418
baseline
▲ 0.50% · 4.625%
HK$19,539
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,836/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,281
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,798
−HK$525/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$657/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$630/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,264
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$767/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$734/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,167
−HK$986/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$35,170
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,706
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$944/mo
Today · 4.125%
HK$36,581
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,162/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,022 · 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).