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$17,484
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,028
−HK$552/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,972
−HK$529/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$663/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,653
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$635/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$25,898
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,477
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,239
−HK$773/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,595
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,231
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,961
−HK$741/mo
Today · 4.125%
HK$28,702
baseline
▲ 0.50% · 4.625%
HK$30,215
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,404/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,450
−HK$994/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,479
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,950
−HK$952/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,024 · 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).