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$17,347
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$548/mo
Today · 4.125%
HK$18,435
baseline
▲ 0.50% · 4.625%
HK$19,557
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,870/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,299
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$525/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,414
+HK$1,073/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,464
−HK$658/mo
Today · 4.125%
HK$22,122
baseline
▲ 0.50% · 4.625%
HK$23,468
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,244/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$630/mo
Today · 4.125%
HK$24,410
baseline
▲ 0.50% · 4.625%
HK$25,696
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,820/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$767/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,018
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$735/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,197
−HK$986/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,738
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$946/mo
Today · 4.125%
HK$36,615
baseline
▲ 0.50% · 4.625%
HK$38,545
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,230/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,230 · 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).