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$17,332
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,871
−HK$548/mo
Today · 4.125%
HK$18,419
baseline
▲ 0.50% · 4.625%
HK$19,540
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,838/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,799
−HK$525/mo
Today · 4.125%
HK$20,324
baseline
▲ 0.50% · 4.625%
HK$21,395
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,648/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$657/mo
Today · 4.125%
HK$22,103
baseline
▲ 0.50% · 4.625%
HK$23,448
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,206/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$629/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,674
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,020
−HK$767/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,356
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$734/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$29,953
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,198
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$986/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$945/mo
Today · 4.125%
HK$36,583
baseline
▲ 0.50% · 4.625%
HK$38,511
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,166/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,030 · 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).