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$17,316
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$547/mo
Today · 4.125%
HK$18,402
baseline
▲ 0.50% · 4.625%
HK$19,522
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,804/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$524/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,375
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,779
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$656/mo
Today · 4.125%
HK$22,082
baseline
▲ 0.50% · 4.625%
HK$23,426
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,164/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,737
−HK$629/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,242
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$24,996
−HK$767/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,969
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,693
−HK$734/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$29,925
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,169
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,138
−HK$985/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$2,016/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,675
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,605
−HK$943/mo
Today · 4.125%
HK$36,548
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$1,927/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,096/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,817 · 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).