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$17,527
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,072
−HK$554/mo
Today · 4.125%
HK$18,626
baseline
▲ 0.50% · 4.625%
HK$19,760
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,252/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,022
−HK$530/mo
Today · 4.125%
HK$20,552
baseline
▲ 0.50% · 4.625%
HK$21,636
+HK$1,084/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,104/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,033
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$664/mo
Today · 4.125%
HK$22,351
baseline
▲ 0.50% · 4.625%
HK$23,712
+HK$1,361/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,702/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,399
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$637/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$25,963
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,538
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$776/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,663
+HK$1,586/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,298
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,030
−HK$743/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,549
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,530
−HK$997/mo
Today · 4.125%
HK$33,527
baseline
▲ 0.50% · 4.625%
HK$35,567
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,054/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,098
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,039
−HK$955/mo
Today · 4.125%
HK$36,994
baseline
▲ 0.50% · 4.625%
HK$38,944
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,988/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,595 · 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).