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$17,339
−HK$1,087/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$548/mo
Today · 4.125%
HK$18,426
baseline
▲ 0.50% · 4.625%
HK$19,547
+HK$1,121/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,852/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,289
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$19,807
−HK$524/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,806
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$21,454
−HK$657/mo
Today · 4.125%
HK$22,111
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,222/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,147
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$630/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,286/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$767/mo
Today · 4.125%
HK$25,796
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$51,592/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$735/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,500/mo
Deposit HK$2.28M · loan HK$5.32M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,210
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,181
−HK$986/mo
Today · 4.125%
HK$33,167
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$2,018/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$66,334/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,721
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$944/mo
Today · 4.125%
HK$36,596
baseline
▲ 0.50% · 4.625%
HK$38,525
+HK$1,929/mo
Deposit HK$760K · loan HK$6.84M · min. income ≈ HK$73,192/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,116 · 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).