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$17,315
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$547/mo
Today · 4.125%
HK$18,400
baseline
▲ 0.50% · 4.625%
HK$19,520
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,800/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,779
−HK$524/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,373
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,424
−HK$656/mo
Today · 4.125%
HK$22,080
baseline
▲ 0.50% · 4.625%
HK$23,424
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,160/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$628/mo
Today · 4.125%
HK$24,363
baseline
▲ 0.50% · 4.625%
HK$25,648
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,726/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,240
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$766/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$734/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,166
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$984/mo
Today · 4.125%
HK$33,120
baseline
▲ 0.50% · 4.625%
HK$35,136
+HK$2,016/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,240/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,672
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,602
−HK$943/mo
Today · 4.125%
HK$36,545
baseline
▲ 0.50% · 4.625%
HK$38,472
+HK$1,927/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,090/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,797 · 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).