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$17,333
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,872
−HK$548/mo
Today · 4.125%
HK$18,420
baseline
▲ 0.50% · 4.625%
HK$19,541
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,840/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,283
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$525/mo
Today · 4.125%
HK$20,325
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,071/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$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,800
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,447
−HK$657/mo
Today · 4.125%
HK$22,104
baseline
▲ 0.50% · 4.625%
HK$23,449
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,208/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$630/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,675
+HK$1,285/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$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$767/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$735/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,499/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$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$986/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$944/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,513
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,042 · 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).