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$17,507
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,052
−HK$553/mo
Today · 4.125%
HK$18,605
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,210/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,477
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,999
−HK$530/mo
Today · 4.125%
HK$20,529
baseline
▲ 0.50% · 4.625%
HK$21,611
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,058/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,009
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,662
−HK$664/mo
Today · 4.125%
HK$22,326
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,652/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$636/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,510
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$774/mo
Today · 4.125%
HK$26,047
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,094/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,267
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$742/mo
Today · 4.125%
HK$28,741
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,482/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,513
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$995/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,527
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,998
−HK$954/mo
Today · 4.125%
HK$36,952
baseline
▲ 0.50% · 4.625%
HK$38,900
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,904/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,335 · 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).