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$17,481
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,025
−HK$552/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,708
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,448
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,969
−HK$529/mo
Today · 4.125%
HK$20,498
baseline
▲ 0.50% · 4.625%
HK$21,579
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,996/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,977
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$663/mo
Today · 4.125%
HK$22,293
baseline
▲ 0.50% · 4.625%
HK$23,649
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,586/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,337
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,963
−HK$635/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,474
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$773/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,227
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$741/mo
Today · 4.125%
HK$28,698
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,396/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,445
−HK$994/mo
Today · 4.125%
HK$33,439
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,878/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$229,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,006
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,945
−HK$952/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$38,842
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$229,990 · 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).