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$1,087/mo
▼ 0.25% · 3.875%
HK$17,864
−HK$548/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,532
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,791
−HK$525/mo
Today · 4.125%
HK$20,316
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,632/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$657/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,345/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$629/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,664
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$767/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$734/mo
Today · 4.125%
HK$28,442
baseline
▲ 0.50% · 4.625%
HK$29,941
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,884/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$985/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,624
−HK$944/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,941 · 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).