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$1,097/mo
▼ 0.25% · 3.875%
HK$18,035
−HK$553/mo
Today · 4.125%
HK$18,588
baseline
▲ 0.50% · 4.625%
HK$19,719
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,176/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$529/mo
Today · 4.125%
HK$20,510
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,020/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$664/mo
Today · 4.125%
HK$22,306
baseline
▲ 0.50% · 4.625%
HK$23,663
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,612/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,351
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,977
−HK$635/mo
Today · 4.125%
HK$24,612
baseline
▲ 0.50% · 4.625%
HK$25,909
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,224/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$774/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,973
−HK$741/mo
Today · 4.125%
HK$28,714
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,428/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$995/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,494
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,026
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$953/mo
Today · 4.125%
HK$36,918
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,836/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,122 · 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).