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$1,088/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$548/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,554
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,866/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$525/mo
Today · 4.125%
HK$20,339
baseline
▲ 0.50% · 4.625%
HK$21,411
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,678/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,198 · 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$228,198 · 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$25,693
+HK$1,287/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$228,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$768/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,015
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$735/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$29,975
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$987/mo
Today · 4.125%
HK$33,179
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,358/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,733
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$945/mo
Today · 4.125%
HK$36,610
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$1,929/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,220/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,198 · 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).