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$17,506
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,050
−HK$553/mo
Today · 4.125%
HK$18,603
baseline
▲ 0.50% · 4.625%
HK$19,735
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,206/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,475
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$530/mo
Today · 4.125%
HK$20,527
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,054/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,007
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,660
−HK$664/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,682
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,997
−HK$635/mo
Today · 4.125%
HK$24,632
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,264/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$775/mo
Today · 4.125%
HK$26,045
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,090/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$742/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,510
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,490
−HK$996/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,524
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,055
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,995
−HK$954/mo
Today · 4.125%
HK$36,949
baseline
▲ 0.50% · 4.625%
HK$38,896
+HK$1,947/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,898/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,311 · 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).