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$17,491
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$552/mo
Today · 4.125%
HK$18,587
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,174/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,458
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,980
−HK$529/mo
Today · 4.125%
HK$20,509
baseline
▲ 0.50% · 4.625%
HK$21,590
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,018/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$663/mo
Today · 4.125%
HK$22,305
baseline
▲ 0.50% · 4.625%
HK$23,662
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,610/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,976
−HK$635/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$773/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,606
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,241
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$741/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,483
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$995/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,493
+HK$2,036/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$953/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,114 · 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).