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$17,492
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$553/mo
Today · 4.125%
HK$18,589
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,178/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,460
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,982
−HK$529/mo
Today · 4.125%
HK$20,511
baseline
▲ 0.50% · 4.625%
HK$21,592
+HK$1,081/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,022/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,990
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$664/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,352
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,978
−HK$635/mo
Today · 4.125%
HK$24,613
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,226/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,250
−HK$774/mo
Today · 4.125%
HK$26,024
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,048/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,243
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$741/mo
Today · 4.125%
HK$28,715
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,430/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,486
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,465
−HK$995/mo
Today · 4.125%
HK$33,460
baseline
▲ 0.50% · 4.625%
HK$35,496
+HK$2,036/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,920/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$953/mo
Today · 4.125%
HK$36,920
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,840/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,132 · 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).