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$17,498
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,042
−HK$553/mo
Today · 4.125%
HK$18,595
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,190/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,466
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$530/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,651
−HK$663/mo
Today · 4.125%
HK$22,314
baseline
▲ 0.50% · 4.625%
HK$23,672
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,628/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$636/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$25,919
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,497
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,259
−HK$774/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,253
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$741/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$995/mo
Today · 4.125%
HK$33,471
baseline
▲ 0.50% · 4.625%
HK$35,508
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,942/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$953/mo
Today · 4.125%
HK$36,932
baseline
▲ 0.50% · 4.625%
HK$38,879
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,864/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,210 · 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).