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$17,517
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,062
−HK$554/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,748
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$20,010
−HK$530/mo
Today · 4.125%
HK$20,540
baseline
▲ 0.50% · 4.625%
HK$21,623
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,080/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,021
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$665/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,698
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,385
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,012
−HK$637/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$25,948
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,524
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$775/mo
Today · 4.125%
HK$26,062
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,124/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,283
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,014
−HK$743/mo
Today · 4.125%
HK$28,757
baseline
▲ 0.50% · 4.625%
HK$30,272
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,514/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$996/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,547
+HK$2,039/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$955/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$38,922
+HK$1,949/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,463 · 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).