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$17,329
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,868
−HK$548/mo
Today · 4.125%
HK$18,416
baseline
▲ 0.50% · 4.625%
HK$19,536
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,832/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,278
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,795
−HK$525/mo
Today · 4.125%
HK$20,320
baseline
▲ 0.50% · 4.625%
HK$21,391
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,640/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,795
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$657/mo
Today · 4.125%
HK$22,099
baseline
▲ 0.50% · 4.625%
HK$23,443
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,198/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,134
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$23,754
−HK$630/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,669
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,260
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$767/mo
Today · 4.125%
HK$25,782
baseline
▲ 0.50% · 4.625%
HK$27,351
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,564/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$735/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,162
−HK$986/mo
Today · 4.125%
HK$33,148
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,296/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,701
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$945/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,504
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,987 · 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).