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$17,534
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,079
−HK$554/mo
Today · 4.125%
HK$18,633
baseline
▲ 0.50% · 4.625%
HK$19,767
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,266/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,506
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,029
−HK$531/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,120/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,040
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,695
−HK$665/mo
Today · 4.125%
HK$22,360
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,360/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,720/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,407
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,035
−HK$637/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$775/mo
Today · 4.125%
HK$26,086
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,172/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$743/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,560
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$997/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,111
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,052
−HK$956/mo
Today · 4.125%
HK$37,008
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,016/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,679 · 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).