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$17,318
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$547/mo
Today · 4.125%
HK$18,404
baseline
▲ 0.50% · 4.625%
HK$19,524
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,808/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$524/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,782
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$657/mo
Today · 4.125%
HK$22,085
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,170/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,120
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$629/mo
Today · 4.125%
HK$24,369
baseline
▲ 0.50% · 4.625%
HK$25,653
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,738/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,246
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$766/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$734/mo
Today · 4.125%
HK$28,430
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,860/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,173
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,143
−HK$985/mo
Today · 4.125%
HK$33,128
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$2,016/mo
Deposit HK$759K · loan HK$6.84M · min. income ≈ HK$66,256/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,680
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,610
−HK$943/mo
Today · 4.125%
HK$36,553
baseline
▲ 0.50% · 4.625%
HK$38,480
+HK$1,927/mo
Deposit HK$759K · loan HK$6.84M · min. income ≈ HK$73,106/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,848 · 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).