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$17,482
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$552/mo
Today · 4.125%
HK$18,578
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,156/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$529/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$663/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,338
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,964
−HK$635/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$25,896
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$774/mo
Today · 4.125%
HK$26,010
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,020/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$741/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,212
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,447
−HK$994/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,008
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,946
−HK$953/mo
Today · 4.125%
HK$36,899
baseline
▲ 0.50% · 4.625%
HK$38,844
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,798/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,002 · 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).