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$17,523
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,068
−HK$554/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,494
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$530/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,084/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$664/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,393
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,020
−HK$637/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$25,957
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$776/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,657
+HK$1,586/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,292
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$742/mo
Today · 4.125%
HK$28,766
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,532/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$996/mo
Today · 4.125%
HK$33,519
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$2,040/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$67,038/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$954/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$38,935
+HK$1,950/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,541 · 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).