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$17,326
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$548/mo
Today · 4.125%
HK$18,413
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,826/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$525/mo
Today · 4.125%
HK$20,317
baseline
▲ 0.50% · 4.625%
HK$21,388
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,634/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$657/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$629/mo
Today · 4.125%
HK$24,380
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,760/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,257
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,011
−HK$767/mo
Today · 4.125%
HK$25,778
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,556/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$735/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,888/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$985/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$35,160
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,696
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$944/mo
Today · 4.125%
HK$36,570
baseline
▲ 0.50% · 4.625%
HK$38,498
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,140/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,953 · 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).