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$17,513
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,058
−HK$553/mo
Today · 4.125%
HK$18,611
baseline
▲ 0.50% · 4.625%
HK$19,744
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,222/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,483
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$530/mo
Today · 4.125%
HK$20,536
baseline
▲ 0.50% · 4.625%
HK$21,618
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,072/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,016
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,669
−HK$664/mo
Today · 4.125%
HK$22,333
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,666/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,380
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,007
−HK$636/mo
Today · 4.125%
HK$24,643
baseline
▲ 0.50% · 4.625%
HK$25,942
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,286/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,518
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$775/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,276
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$742/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,265
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,500/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,523
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,504
−HK$996/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,538
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,069
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,010
−HK$954/mo
Today · 4.125%
HK$36,964
baseline
▲ 0.50% · 4.625%
HK$38,912
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,928/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,408 · 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).