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$17,522
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$554/mo
Today · 4.125%
HK$18,621
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,242/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$531/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,630
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,027
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$664/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,705
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,392
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,019
−HK$637/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,531
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$776/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,586/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$742/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,516/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,540
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,521
−HK$997/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,557
+HK$2,039/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,088
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,029
−HK$955/mo
Today · 4.125%
HK$36,984
baseline
▲ 0.50% · 4.625%
HK$38,933
+HK$1,949/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$73,968/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,531 · 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).