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$17,480
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$553/mo
Today · 4.125%
HK$18,576
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,152/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,446
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$530/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,976
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,628
−HK$663/mo
Today · 4.125%
HK$22,291
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,582/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,335
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$635/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$25,892
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,471
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,233
−HK$773/mo
Today · 4.125%
HK$26,006
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,012/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$741/mo
Today · 4.125%
HK$28,695
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,390/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,463
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,442
−HK$994/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,471
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$229,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,003
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,941
−HK$953/mo
Today · 4.125%
HK$36,894
baseline
▲ 0.50% · 4.625%
HK$38,838
+HK$1,944/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,788/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$229,970 · 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).