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$17,521
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,066
−HK$553/mo
Today · 4.125%
HK$18,619
baseline
▲ 0.50% · 4.625%
HK$19,752
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,238/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$531/mo
Today · 4.125%
HK$20,545
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,090/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,025
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,679
−HK$664/mo
Today · 4.125%
HK$22,343
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,686/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$636/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$25,953
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,529
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$775/mo
Today · 4.125%
HK$26,067
baseline
▲ 0.50% · 4.625%
HK$27,653
+HK$1,586/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,134/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,288
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,020
−HK$742/mo
Today · 4.125%
HK$28,762
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,516/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,524/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,537
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$997/mo
Today · 4.125%
HK$33,515
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$2,039/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$67,030/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,085
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,026
−HK$954/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$1,949/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,509 · 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).