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$17,346
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$548/mo
Today · 4.125%
HK$18,433
baseline
▲ 0.50% · 4.625%
HK$19,555
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,866/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,297
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$526/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,412
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,815
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,462
−HK$658/mo
Today · 4.125%
HK$22,120
baseline
▲ 0.50% · 4.625%
HK$23,466
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,240/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,156
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$630/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,284
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$768/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,377
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,614/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$735/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,194
−HK$986/mo
Today · 4.125%
HK$33,180
baseline
▲ 0.50% · 4.625%
HK$35,199
+HK$2,019/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,360/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,735
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,666
−HK$945/mo
Today · 4.125%
HK$36,611
baseline
▲ 0.50% · 4.625%
HK$38,541
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,222/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,208 · 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).