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$17,503
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,047
−HK$553/mo
Today · 4.125%
HK$18,600
baseline
▲ 0.50% · 4.625%
HK$19,732
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,200/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,994
−HK$530/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,606
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,003
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$663/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,679
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,366
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,993
−HK$635/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$775/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,260
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,991
−HK$742/mo
Today · 4.125%
HK$28,733
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,466/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,505
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,485
−HK$996/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,518
+HK$2,037/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,049
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$954/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$38,890
+HK$1,947/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,274 · 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).