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$17,325
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,864
−HK$547/mo
Today · 4.125%
HK$18,411
baseline
▲ 0.50% · 4.625%
HK$19,531
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,822/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$525/mo
Today · 4.125%
HK$20,315
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,630/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$657/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,438
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,128
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$629/mo
Today · 4.125%
HK$24,378
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,756/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,255
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$767/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,983
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$734/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$986/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$944/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,931 · 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).