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$17,505
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$553/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,735
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,206/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$530/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,006
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$664/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,369
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,996
−HK$636/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,507
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,269
−HK$775/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,995
−HK$742/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,509
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$996/mo
Today · 4.125%
HK$33,485
baseline
▲ 0.50% · 4.625%
HK$35,522
+HK$2,037/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,970/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,994
−HK$953/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$38,895
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,304 · 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).