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$17,519
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,064
−HK$554/mo
Today · 4.125%
HK$18,618
baseline
▲ 0.50% · 4.625%
HK$19,750
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,236/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,490
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$531/mo
Today · 4.125%
HK$20,543
baseline
▲ 0.50% · 4.625%
HK$21,625
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,086/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,677
−HK$664/mo
Today · 4.125%
HK$22,341
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,682/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,015
−HK$636/mo
Today · 4.125%
HK$24,651
baseline
▲ 0.50% · 4.625%
HK$25,951
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,302/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,527
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$776/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,285
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,017
−HK$743/mo
Today · 4.125%
HK$28,760
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,516/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,520/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,534
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,515
−HK$997/mo
Today · 4.125%
HK$33,512
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$2,039/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$67,024/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,081
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$955/mo
Today · 4.125%
HK$36,977
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$1,949/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,954/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,487 · 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).