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$17,324
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,863
−HK$548/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$524/mo
Today · 4.125%
HK$20,314
baseline
▲ 0.50% · 4.625%
HK$21,385
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,628/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,789
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$657/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,128
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$629/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,254
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$767/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,982
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,706
−HK$734/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$985/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$944/mo
Today · 4.125%
HK$36,566
baseline
▲ 0.50% · 4.625%
HK$38,493
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,132/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,926 · 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).