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$17,518
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,063
−HK$553/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,749
+HK$1,133/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$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,011
−HK$530/mo
Today · 4.125%
HK$20,541
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,082/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,021
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$665/mo
Today · 4.125%
HK$22,340
baseline
▲ 0.50% · 4.625%
HK$23,699
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,680/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,386
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$637/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$775/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$742/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,516/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,532
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$997/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,079
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$954/mo
Today · 4.125%
HK$36,974
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$1,949/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,948/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,473 · 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).