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$17,476
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,020
−HK$552/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,702
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$529/mo
Today · 4.125%
HK$20,492
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,984/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$662/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$635/mo
Today · 4.125%
HK$24,591
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,182/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$773/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,583
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,219
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,949
−HK$740/mo
Today · 4.125%
HK$28,689
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,378/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,457
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,435
−HK$995/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,464
+HK$2,034/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,996
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,934
−HK$952/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$38,831
+HK$1,945/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,923 · 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).