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$17,500
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$553/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,729
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,469
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,991
−HK$530/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,602
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,000
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$663/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,675
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,989
−HK$636/mo
Today · 4.125%
HK$24,625
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,250/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,500
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$774/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$741/mo
Today · 4.125%
HK$28,729
baseline
▲ 0.50% · 4.625%
HK$30,243
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,458/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$996/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,044
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$953/mo
Today · 4.125%
HK$36,937
baseline
▲ 0.50% · 4.625%
HK$38,884
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,874/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,242 · 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).