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$17,310
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,848
−HK$547/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,514
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,257
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,773
−HK$524/mo
Today · 4.125%
HK$20,297
baseline
▲ 0.50% · 4.625%
HK$21,367
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,594/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,771
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,418
−HK$656/mo
Today · 4.125%
HK$22,074
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,148/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,728
−HK$628/mo
Today · 4.125%
HK$24,356
baseline
▲ 0.50% · 4.625%
HK$25,640
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,712/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$766/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$734/mo
Today · 4.125%
HK$28,416
baseline
▲ 0.50% · 4.625%
HK$29,914
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,832/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,157
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,126
−HK$985/mo
Today · 4.125%
HK$33,111
baseline
▲ 0.50% · 4.625%
HK$35,126
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,222/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$943/mo
Today · 4.125%
HK$36,535
baseline
▲ 0.50% · 4.625%
HK$38,461
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,070/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,732 · 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).