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$17,326
−HK$1,086/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$547/mo
Today · 4.125%
HK$18,412
baseline
▲ 0.50% · 4.625%
HK$19,533
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,824/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,792
−HK$524/mo
Today · 4.125%
HK$20,316
baseline
▲ 0.50% · 4.625%
HK$21,387
+HK$1,071/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,632/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,304/mo
▼ 0.25% · 3.875%
HK$21,438
−HK$657/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,344/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,130
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$23,750
−HK$629/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,011
−HK$766/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,346
+HK$1,569/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,985
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$734/mo
Today · 4.125%
HK$28,443
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,499/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,886/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,157
−HK$985/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$2,017/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$944/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$1,928/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$227,947 · 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).