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$17,319
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,858
−HK$547/mo
Today · 4.125%
HK$18,405
baseline
▲ 0.50% · 4.625%
HK$19,525
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,810/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,268
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$525/mo
Today · 4.125%
HK$20,309
baseline
▲ 0.50% · 4.625%
HK$21,379
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,618/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,783
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,430
−HK$657/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,741
−HK$629/mo
Today · 4.125%
HK$24,370
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,740/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,247
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$767/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$734/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,175
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,145
−HK$985/mo
Today · 4.125%
HK$33,130
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,260/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,682
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,612
−HK$943/mo
Today · 4.125%
HK$36,555
baseline
▲ 0.50% · 4.625%
HK$38,482
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,110/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,861 · 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).