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$17,509
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,054
−HK$553/mo
Today · 4.125%
HK$18,607
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,214/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$530/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$664/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,688
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,375
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$636/mo
Today · 4.125%
HK$24,638
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,276/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$774/mo
Today · 4.125%
HK$26,050
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,100/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,271
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,002
−HK$742/mo
Today · 4.125%
HK$28,744
baseline
▲ 0.50% · 4.625%
HK$30,259
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,488/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,497
−HK$996/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,531
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$954/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$38,905
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,362 · 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).