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$17,485
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$553/mo
Today · 4.125%
HK$18,582
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,164/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$529/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,584
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,982
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,635
−HK$663/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$635/mo
Today · 4.125%
HK$24,604
baseline
▲ 0.50% · 4.625%
HK$25,901
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,208/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,480
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,241
−HK$774/mo
Today · 4.125%
HK$26,015
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,030/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,233
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,964
−HK$741/mo
Today · 4.125%
HK$28,705
baseline
▲ 0.50% · 4.625%
HK$30,218
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,410/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$994/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,483
+HK$2,036/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,014
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$953/mo
Today · 4.125%
HK$36,906
baseline
▲ 0.50% · 4.625%
HK$38,851
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,812/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,046 · 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).