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$17,312
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,851
−HK$547/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,517
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,260
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,776
−HK$524/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,775
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,421
−HK$656/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,112
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,732
−HK$628/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,237
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$766/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$733/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,131
−HK$985/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$35,131
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,668
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$943/mo
Today · 4.125%
HK$36,540
baseline
▲ 0.50% · 4.625%
HK$38,467
+HK$1,927/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,080/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,768 · 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).