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$17,531
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,077
−HK$554/mo
Today · 4.125%
HK$18,631
baseline
▲ 0.50% · 4.625%
HK$19,764
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,262/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,026
−HK$531/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,641
+HK$1,084/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,692
−HK$665/mo
Today · 4.125%
HK$22,357
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,360/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,714/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,404
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$637/mo
Today · 4.125%
HK$24,669
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,338/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,544
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,307
−HK$776/mo
Today · 4.125%
HK$26,083
baseline
▲ 0.50% · 4.625%
HK$27,670
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,166/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,305
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,037
−HK$743/mo
Today · 4.125%
HK$28,780
baseline
▲ 0.50% · 4.625%
HK$30,297
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,560/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,556
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,538
−HK$997/mo
Today · 4.125%
HK$33,535
baseline
▲ 0.50% · 4.625%
HK$35,576
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,070/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,106
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,048
−HK$955/mo
Today · 4.125%
HK$37,003
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,006/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,650 · 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).