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$17,515
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,060
−HK$554/mo
Today · 4.125%
HK$18,614
baseline
▲ 0.50% · 4.625%
HK$19,746
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,228/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,486
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,008
−HK$530/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,621
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,018
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,672
−HK$664/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,696
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,383
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$636/mo
Today · 4.125%
HK$24,646
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,292/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,521
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$775/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$743/mo
Today · 4.125%
HK$28,754
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,508/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$997/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,074
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$954/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$1,949/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,439 · 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).