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$17,514
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,059
−HK$553/mo
Today · 4.125%
HK$18,612
baseline
▲ 0.50% · 4.625%
HK$19,745
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,224/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,484
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,007
−HK$530/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,017
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,671
−HK$664/mo
Today · 4.125%
HK$22,335
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,670/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,381
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,008
−HK$636/mo
Today · 4.125%
HK$24,644
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,288/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,520
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$774/mo
Today · 4.125%
HK$26,057
baseline
▲ 0.50% · 4.625%
HK$27,643
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,114/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,278
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,010
−HK$742/mo
Today · 4.125%
HK$28,752
baseline
▲ 0.50% · 4.625%
HK$30,267
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,504/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$996/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,541
+HK$2,039/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,072
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$955/mo
Today · 4.125%
HK$36,967
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,934/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,424 · 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).