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$1,088/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$548/mo
Today · 4.125%
HK$18,430
baseline
▲ 0.50% · 4.625%
HK$19,551
+HK$1,121/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$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,293
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$525/mo
Today · 4.125%
HK$20,336
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,071/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$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,458
−HK$658/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$630/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,286/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$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,279
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$768/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$735/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$987/mo
Today · 4.125%
HK$33,174
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$2,018/mo
Deposit HK$761K · loan HK$6.84M · min. income ≈ HK$66,348/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,728
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,659
−HK$945/mo
Today · 4.125%
HK$36,604
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$1,929/mo
Deposit HK$761K · loan HK$6.84M · min. income ≈ HK$73,208/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,163 · 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).