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$17,478
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,022
−HK$552/mo
Today · 4.125%
HK$18,574
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,148/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$529/mo
Today · 4.125%
HK$20,495
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,990/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$663/mo
Today · 4.125%
HK$22,289
baseline
▲ 0.50% · 4.625%
HK$23,645
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,578/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,333
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$635/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$773/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$741/mo
Today · 4.125%
HK$28,693
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,386/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,461
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$995/mo
Today · 4.125%
HK$33,434
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$2,034/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,868/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,000
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$953/mo
Today · 4.125%
HK$36,891
baseline
▲ 0.50% · 4.625%
HK$38,835
+HK$1,944/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,782/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,951 · 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).