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$17,529
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,074
−HK$554/mo
Today · 4.125%
HK$18,628
baseline
▲ 0.50% · 4.625%
HK$19,762
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,256/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,501
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,024
−HK$531/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,638
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,035
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$665/mo
Today · 4.125%
HK$22,354
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,360/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,708/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,401
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,029
−HK$637/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$25,966
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,541
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$776/mo
Today · 4.125%
HK$26,080
baseline
▲ 0.50% · 4.625%
HK$27,667
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,160/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,034
−HK$742/mo
Today · 4.125%
HK$28,776
baseline
▲ 0.50% · 4.625%
HK$30,293
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,552/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,553
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$997/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$955/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$38,949
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,622 · 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).