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$17,330
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$548/mo
Today · 4.125%
HK$18,417
baseline
▲ 0.50% · 4.625%
HK$19,537
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,834/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,279
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,796
−HK$525/mo
Today · 4.125%
HK$20,321
baseline
▲ 0.50% · 4.625%
HK$21,392
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,642/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,443
−HK$657/mo
Today · 4.125%
HK$22,100
baseline
▲ 0.50% · 4.625%
HK$23,445
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,200/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,756
−HK$629/mo
Today · 4.125%
HK$24,385
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,770/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,262
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$766/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$734/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$986/mo
Today · 4.125%
HK$33,150
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,300/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,703
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,634
−HK$944/mo
Today · 4.125%
HK$36,578
baseline
▲ 0.50% · 4.625%
HK$38,506
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,156/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,001 · 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).