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$17,335
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$548/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,542
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,284
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$524/mo
Today · 4.125%
HK$20,326
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,652/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,801
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$658/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,141
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$630/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,268
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$767/mo
Today · 4.125%
HK$25,790
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,580/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$735/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$986/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$944/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,060 · 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).