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$17,488
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$552/mo
Today · 4.125%
HK$18,584
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,168/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,976
−HK$530/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,985
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$663/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,346
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$635/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$25,904
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$774/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$741/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$995/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,487
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$952/mo
Today · 4.125%
HK$36,910
baseline
▲ 0.50% · 4.625%
HK$38,856
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,820/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,074 · 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).