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$17,323
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,862
−HK$547/mo
Today · 4.125%
HK$18,409
baseline
▲ 0.50% · 4.625%
HK$19,529
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,818/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,271
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,788
−HK$525/mo
Today · 4.125%
HK$20,313
baseline
▲ 0.50% · 4.625%
HK$21,383
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,626/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,434
−HK$657/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,746
−HK$629/mo
Today · 4.125%
HK$24,375
baseline
▲ 0.50% · 4.625%
HK$25,660
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,750/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,252
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$767/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,341
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,980
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$735/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$985/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,688
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,619
−HK$944/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,490
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,905 · 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).