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$17,497
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$553/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$529/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,082/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$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,996
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,649
−HK$664/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,984
−HK$636/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$25,917
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,495
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,257
−HK$774/mo
Today · 4.125%
HK$26,031
baseline
▲ 0.50% · 4.625%
HK$27,615
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,062/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$741/mo
Today · 4.125%
HK$28,723
baseline
▲ 0.50% · 4.625%
HK$30,237
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,446/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$996/mo
Today · 4.125%
HK$33,469
baseline
▲ 0.50% · 4.625%
HK$35,505
+HK$2,036/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,938/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,037
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,976
−HK$953/mo
Today · 4.125%
HK$36,929
baseline
▲ 0.50% · 4.625%
HK$38,876
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,858/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,193 · 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).