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$17,522
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,067
−HK$553/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,754
+HK$1,134/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,493
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$530/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,629
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$665/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,391
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,019
−HK$636/mo
Today · 4.125%
HK$24,655
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,310/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$776/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,586/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,290
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,022
−HK$742/mo
Today · 4.125%
HK$28,764
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,516/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,528/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,539
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$997/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,556
+HK$2,039/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,028
−HK$955/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$38,932
+HK$1,949/mo
Deposit HK$768K · loan HK$6.92M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,524 · 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).