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$17,510
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,055
−HK$553/mo
Today · 4.125%
HK$18,608
baseline
▲ 0.50% · 4.625%
HK$19,741
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,216/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$530/mo
Today · 4.125%
HK$20,533
baseline
▲ 0.50% · 4.625%
HK$21,615
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,066/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,012
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,666
−HK$664/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,689
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$636/mo
Today · 4.125%
HK$24,639
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,278/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$775/mo
Today · 4.125%
HK$26,052
baseline
▲ 0.50% · 4.625%
HK$27,637
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,104/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,004
−HK$742/mo
Today · 4.125%
HK$28,746
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,492/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,519
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,499
−HK$996/mo
Today · 4.125%
HK$33,495
baseline
▲ 0.50% · 4.625%
HK$35,533
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,990/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,064
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,005
−HK$954/mo
Today · 4.125%
HK$36,959
baseline
▲ 0.50% · 4.625%
HK$38,907
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,918/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,374 · 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).