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$17,482
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,026
−HK$553/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$529/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$663/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,651
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$635/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$25,896
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$773/mo
Today · 4.125%
HK$26,010
baseline
▲ 0.50% · 4.625%
HK$27,593
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,020/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,959
−HK$741/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,212
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,447
−HK$995/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,008
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,947
−HK$953/mo
Today · 4.125%
HK$36,900
baseline
▲ 0.50% · 4.625%
HK$38,845
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,800/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,006 · 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).