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$1,088/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$548/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,544
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,286
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,803
−HK$524/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,399
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,803
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,450
−HK$657/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$630/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,679
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,270
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$767/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,000
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$734/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$987/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$944/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,073 · 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).