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$17,485
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,029
−HK$552/mo
Today · 4.125%
HK$18,581
baseline
▲ 0.50% · 4.625%
HK$19,712
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,162/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,973
−HK$530/mo
Today · 4.125%
HK$20,503
baseline
▲ 0.50% · 4.625%
HK$21,583
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,006/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,982
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$664/mo
Today · 4.125%
HK$22,298
baseline
▲ 0.50% · 4.625%
HK$23,654
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,596/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,342
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$635/mo
Today · 4.125%
HK$24,603
baseline
▲ 0.50% · 4.625%
HK$25,900
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,206/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,479
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$774/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$741/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,473
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$994/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,481
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,013
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,952
−HK$953/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$38,850
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,039 · 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).