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$17,509
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$554/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,739
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,478
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,001
−HK$530/mo
Today · 4.125%
HK$20,531
baseline
▲ 0.50% · 4.625%
HK$21,613
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,062/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,010
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,664
−HK$664/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,687
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,374
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,001
−HK$636/mo
Today · 4.125%
HK$24,637
baseline
▲ 0.50% · 4.625%
HK$25,935
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,274/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,512
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$774/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,270
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$742/mo
Today · 4.125%
HK$28,743
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,486/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,516
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,496
−HK$996/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,530
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,061
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,001
−HK$954/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$38,903
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,352 · 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).