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$17,335
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,874
−HK$548/mo
Today · 4.125%
HK$18,422
baseline
▲ 0.50% · 4.625%
HK$19,543
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,844/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$525/mo
Today · 4.125%
HK$20,327
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,654/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,802
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$657/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,142
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$629/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,678
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,269
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,024
−HK$767/mo
Today · 4.125%
HK$25,791
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,582/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,999
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,723
−HK$735/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$29,958
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,203
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$986/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$944/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,176/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$228,067 · 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).