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$17,337
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$547/mo
Today · 4.125%
HK$18,424
baseline
▲ 0.50% · 4.625%
HK$19,546
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,848/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$525/mo
Today · 4.125%
HK$20,330
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,660/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,805
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$657/mo
Today · 4.125%
HK$22,109
baseline
▲ 0.50% · 4.625%
HK$23,455
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,218/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$629/mo
Today · 4.125%
HK$24,395
baseline
▲ 0.50% · 4.625%
HK$25,681
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,790/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,272
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,027
−HK$767/mo
Today · 4.125%
HK$25,794
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,588/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,003
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$734/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,207
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$986/mo
Today · 4.125%
HK$33,164
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,328/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,718
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,649
−HK$944/mo
Today · 4.125%
HK$36,593
baseline
▲ 0.50% · 4.625%
HK$38,522
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,186/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,097 · 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).