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$17,497
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,041
−HK$553/mo
Today · 4.125%
HK$18,594
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,188/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$530/mo
Today · 4.125%
HK$20,517
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,034/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,996
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,650
−HK$663/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,671
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,985
−HK$635/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,496
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$774/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,616
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$742/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,495
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$996/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$2,036/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,037
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$953/mo
Today · 4.125%
HK$36,930
baseline
▲ 0.50% · 4.625%
HK$38,877
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,860/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,198 · 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).