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$17,317
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,856
−HK$547/mo
Today · 4.125%
HK$18,403
baseline
▲ 0.50% · 4.625%
HK$19,523
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,806/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,265
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,782
−HK$524/mo
Today · 4.125%
HK$20,306
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,612/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,780
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,427
−HK$656/mo
Today · 4.125%
HK$22,083
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,166/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$629/mo
Today · 4.125%
HK$24,367
baseline
▲ 0.50% · 4.625%
HK$25,651
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,734/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,244
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,998
−HK$766/mo
Today · 4.125%
HK$25,764
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,528/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$734/mo
Today · 4.125%
HK$28,428
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,856/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,140
−HK$985/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$2,016/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,607
−HK$943/mo
Today · 4.125%
HK$36,550
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$1,927/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,100/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,829 · 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).