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$17,332
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$548/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,539
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,838/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$524/mo
Today · 4.125%
HK$20,323
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,646/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,798
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$657/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,447
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$630/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,673
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$767/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$735/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$986/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$35,171
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$944/mo
Today · 4.125%
HK$36,582
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,164/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,026 · 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).