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$17,313
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$547/mo
Today · 4.125%
HK$18,399
baseline
▲ 0.50% · 4.625%
HK$19,519
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,798/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,261
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,778
−HK$524/mo
Today · 4.125%
HK$20,302
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,604/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,776
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$657/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,113
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$629/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,646
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$766/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,965
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,689
−HK$733/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,164
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,133
−HK$985/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$2,016/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,670
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,600
−HK$943/mo
Today · 4.125%
HK$36,543
baseline
▲ 0.50% · 4.625%
HK$38,469
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,086/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,783 · 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).