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$17,327
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$547/mo
Today · 4.125%
HK$18,413
baseline
▲ 0.50% · 4.625%
HK$19,534
+HK$1,121/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$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,276
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,793
−HK$524/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$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$657/mo
Today · 4.125%
HK$22,096
baseline
▲ 0.50% · 4.625%
HK$23,441
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,192/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,131
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$630/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,666
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,258
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$767/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,558/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$734/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$29,944
+HK$1,500/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$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,188
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$986/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,697
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$944/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,960 · 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).