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$17,489
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,033
−HK$553/mo
Today · 4.125%
HK$18,586
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,172/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,978
−HK$530/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,640
−HK$663/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,660
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,348
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$635/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$25,906
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$774/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,970
−HK$741/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,480
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,460
−HK$995/mo
Today · 4.125%
HK$33,455
baseline
▲ 0.50% · 4.625%
HK$35,490
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,910/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,022
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,961
−HK$953/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$38,860
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,095 · 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).