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$17,338
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$548/mo
Today · 4.125%
HK$18,425
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,850/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$525/mo
Today · 4.125%
HK$20,330
baseline
▲ 0.50% · 4.625%
HK$21,402
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,660/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$658/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$630/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,682
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$767/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,003
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$735/mo
Today · 4.125%
HK$28,462
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,924/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,208
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$987/mo
Today · 4.125%
HK$33,165
baseline
▲ 0.50% · 4.625%
HK$35,183
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,330/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,718
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,649
−HK$945/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,523
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,101 · 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).