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$17,308
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$547/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,512
+HK$1,119/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,786/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,255
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$524/mo
Today · 4.125%
HK$20,295
baseline
▲ 0.50% · 4.625%
HK$21,365
+HK$1,070/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,590/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,415
−HK$657/mo
Today · 4.125%
HK$22,072
baseline
▲ 0.50% · 4.625%
HK$23,415
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,144/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,106
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,725
−HK$629/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,638
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,231
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$765/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,957
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$733/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,498/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,154
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$985/mo
Today · 4.125%
HK$33,108
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,216/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,659
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$943/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,457
+HK$1,926/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,709 · 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).