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$17,480
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,024
−HK$553/mo
Today · 4.125%
HK$18,577
baseline
▲ 0.50% · 4.625%
HK$19,707
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,154/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$529/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,976
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$663/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,648
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,336
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$635/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$25,893
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$773/mo
Today · 4.125%
HK$26,007
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,014/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$740/mo
Today · 4.125%
HK$28,696
baseline
▲ 0.50% · 4.625%
HK$30,209
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,392/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,465
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,443
−HK$995/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,472
+HK$2,034/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$229,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,004
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$952/mo
Today · 4.125%
HK$36,895
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,790/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$229,980 · 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).