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$17,523
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,069
−HK$553/mo
Today · 4.125%
HK$18,622
baseline
▲ 0.50% · 4.625%
HK$19,755
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,244/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$531/mo
Today · 4.125%
HK$20,548
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,096/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,028
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$665/mo
Today · 4.125%
HK$22,347
baseline
▲ 0.50% · 4.625%
HK$23,707
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,694/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$636/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$25,957
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$775/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,293
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$743/mo
Today · 4.125%
HK$28,767
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,516/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,534/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$997/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$2,040/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$955/mo
Today · 4.125%
HK$36,986
baseline
▲ 0.50% · 4.625%
HK$38,936
+HK$1,950/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$73,972/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,546 · 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).