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$17,525
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,070
−HK$554/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,757
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,248/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,496
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$531/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,633
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,100/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$665/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,708
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,395
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$636/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,535
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$775/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$742/mo
Today · 4.125%
HK$28,769
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,538/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,545
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$997/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,093
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$955/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,565 · 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).