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$17,315
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,854
−HK$547/mo
Today · 4.125%
HK$18,401
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$1,120/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,802/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$524/mo
Today · 4.125%
HK$20,304
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,608/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,778
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,424
−HK$657/mo
Today · 4.125%
HK$22,081
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,162/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,116
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$629/mo
Today · 4.125%
HK$24,364
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,285/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,728/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,241
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$766/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,329
+HK$1,568/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$734/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$985/mo
Today · 4.125%
HK$33,122
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$2,015/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,244/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,673
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$944/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,806 · 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).