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$17,334
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$548/mo
Today · 4.125%
HK$18,421
baseline
▲ 0.50% · 4.625%
HK$19,541
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,842/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,283
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,801
−HK$524/mo
Today · 4.125%
HK$20,325
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,650/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,447
−HK$658/mo
Today · 4.125%
HK$22,105
baseline
▲ 0.50% · 4.625%
HK$23,450
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,210/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,140
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$629/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,676
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,780/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$767/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$734/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$29,955
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,171
−HK$986/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,710
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,641
−HK$945/mo
Today · 4.125%
HK$36,586
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,172/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,049 · 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).