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$17,496
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,040
−HK$553/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,986
−HK$530/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$664/mo
Today · 4.125%
HK$22,312
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,624/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,357
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$636/mo
Today · 4.125%
HK$24,619
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,238/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,494
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$774/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,250
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$742/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,236
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,492
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,472
−HK$995/mo
Today · 4.125%
HK$33,467
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,934/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$953/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$38,874
+HK$1,946/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,183 · 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).