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$17,345
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,884
−HK$548/mo
Today · 4.125%
HK$18,432
baseline
▲ 0.50% · 4.625%
HK$19,554
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,864/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$525/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,410
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,461
−HK$658/mo
Today · 4.125%
HK$22,119
baseline
▲ 0.50% · 4.625%
HK$23,465
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,238/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,776
−HK$630/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,692
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$767/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$735/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,191
−HK$987/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,732
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$945/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,538
+HK$1,929/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,193 · 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).