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$17,508
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$553/mo
Today · 4.125%
HK$18,606
baseline
▲ 0.50% · 4.625%
HK$19,738
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,212/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,477
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,000
−HK$530/mo
Today · 4.125%
HK$20,530
baseline
▲ 0.50% · 4.625%
HK$21,612
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,060/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,010
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$664/mo
Today · 4.125%
HK$22,327
baseline
▲ 0.50% · 4.625%
HK$23,686
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,654/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,373
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$636/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$774/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$742/mo
Today · 4.125%
HK$28,742
baseline
▲ 0.50% · 4.625%
HK$30,257
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,484/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$996/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$2,037/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,000
−HK$954/mo
Today · 4.125%
HK$36,954
baseline
▲ 0.50% · 4.625%
HK$38,901
+HK$1,947/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,908/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,343 · 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).