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$17,347
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,886
−HK$548/mo
Today · 4.125%
HK$18,434
baseline
▲ 0.50% · 4.625%
HK$19,556
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,868/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,815
−HK$525/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,073/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,816
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$658/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,467
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,157
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,778
−HK$631/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,695
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,285
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$767/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,378
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,616/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$735/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,224
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$987/mo
Today · 4.125%
HK$33,182
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,364/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$945/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,543
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,219 · 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).