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$17,529
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$554/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,761
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,023
−HK$531/mo
Today · 4.125%
HK$20,554
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,108/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$664/mo
Today · 4.125%
HK$22,353
baseline
▲ 0.50% · 4.625%
HK$23,713
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,706/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,028
−HK$637/mo
Today · 4.125%
HK$24,665
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,330/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,303
−HK$776/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,300
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,033
−HK$742/mo
Today · 4.125%
HK$28,775
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,550/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,551
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$997/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,570
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,101
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,042
−HK$955/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,613 · 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).