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$17,321
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,860
−HK$548/mo
Today · 4.125%
HK$18,408
baseline
▲ 0.50% · 4.625%
HK$19,528
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,816/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,270
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,787
−HK$524/mo
Today · 4.125%
HK$20,311
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,622/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,432
−HK$657/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,124
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$629/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,658
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$767/mo
Today · 4.125%
HK$25,771
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,542/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$734/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,179
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$986/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$35,150
+HK$2,016/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$944/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,487
+HK$1,927/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,888 · 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).