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$17,487
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,030
−HK$553/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,714
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,454
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$530/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,637
−HK$663/mo
Today · 4.125%
HK$22,300
baseline
▲ 0.50% · 4.625%
HK$23,657
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,600/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,344
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$635/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,243
−HK$773/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,599
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,235
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$741/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,220
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,476
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$995/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,016
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,956
−HK$952/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$38,854
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,060 · 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).