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$17,488
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$553/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$530/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,986
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,639
−HK$663/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,973
−HK$635/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,484
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,245
−HK$774/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,602
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,238
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$742/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,223
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,479
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$995/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$2,036/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,906/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,020
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$953/mo
Today · 4.125%
HK$36,912
baseline
▲ 0.50% · 4.625%
HK$38,858
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,824/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,085 · 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).