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$17,520
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$554/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$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,491
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$530/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,627
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$665/mo
Today · 4.125%
HK$22,343
baseline
▲ 0.50% · 4.625%
HK$23,702
+HK$1,359/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$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,389
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$636/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,299/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$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$775/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,586/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,287
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$743/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$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,536
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$997/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$2,039/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,025
−HK$954/mo
Today · 4.125%
HK$36,979
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$1,950/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$73,958/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,503 · 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).