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$17,494
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,038
−HK$553/mo
Today · 4.125%
HK$18,591
baseline
▲ 0.50% · 4.625%
HK$19,722
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,182/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,984
−HK$529/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,594
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,646
−HK$663/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,980
−HK$636/mo
Today · 4.125%
HK$24,616
baseline
▲ 0.50% · 4.625%
HK$25,913
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,232/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$774/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$741/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,489
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$995/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,500
+HK$2,037/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,031
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$953/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,156 · 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).