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$17,492
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$552/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$530/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$663/mo
Today · 4.125%
HK$22,306
baseline
▲ 0.50% · 4.625%
HK$23,663
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,612/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,351
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,977
−HK$636/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$25,910
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,226/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,250
−HK$774/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,243
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$741/mo
Today · 4.125%
HK$28,715
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,430/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,485
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$995/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$2,036/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$953/mo
Today · 4.125%
HK$36,919
baseline
▲ 0.50% · 4.625%
HK$38,865
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,838/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,127 · 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).