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$17,349
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,889
−HK$548/mo
Today · 4.125%
HK$18,437
baseline
▲ 0.50% · 4.625%
HK$19,559
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,874/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,301
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$526/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,416
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,819
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,467
−HK$658/mo
Today · 4.125%
HK$22,125
baseline
▲ 0.50% · 4.625%
HK$23,471
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,250/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,161
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$630/mo
Today · 4.125%
HK$24,412
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,824/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,289
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,044
−HK$768/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,021
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,746
−HK$735/mo
Today · 4.125%
HK$28,481
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,962/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$987/mo
Today · 4.125%
HK$33,187
baseline
▲ 0.50% · 4.625%
HK$35,206
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,374/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,741
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,673
−HK$945/mo
Today · 4.125%
HK$36,618
baseline
▲ 0.50% · 4.625%
HK$38,549
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,236/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,253 · 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).