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$17,502
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,046
−HK$553/mo
Today · 4.125%
HK$18,599
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,198/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$529/mo
Today · 4.125%
HK$20,522
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,044/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,002
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,655
−HK$664/mo
Today · 4.125%
HK$22,319
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,638/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$636/mo
Today · 4.125%
HK$24,627
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,254/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$775/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,623
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,258
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$741/mo
Today · 4.125%
HK$28,731
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,462/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,503
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,483
−HK$995/mo
Today · 4.125%
HK$33,478
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$2,037/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,956/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,047
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,987
−HK$953/mo
Today · 4.125%
HK$36,940
baseline
▲ 0.50% · 4.625%
HK$38,887
+HK$1,947/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,880/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,259 · 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).