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$17,533
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,078
−HK$554/mo
Today · 4.125%
HK$18,632
baseline
▲ 0.50% · 4.625%
HK$19,766
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,264/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,505
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,028
−HK$531/mo
Today · 4.125%
HK$20,559
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,084/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,118/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,039
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,694
−HK$665/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,360/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$637/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,546
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,309
−HK$776/mo
Today · 4.125%
HK$26,085
baseline
▲ 0.50% · 4.625%
HK$27,672
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,170/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,307
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,039
−HK$743/mo
Today · 4.125%
HK$28,782
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,564/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,559
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,541
−HK$997/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,579
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,109
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,051
−HK$955/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$38,957
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,669 · 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).