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$17,504
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,049
−HK$553/mo
Today · 4.125%
HK$18,602
baseline
▲ 0.50% · 4.625%
HK$19,734
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,204/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,474
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$530/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,608
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$664/mo
Today · 4.125%
HK$22,323
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,646/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,368
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,995
−HK$636/mo
Today · 4.125%
HK$24,631
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,262/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,506
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$775/mo
Today · 4.125%
HK$26,043
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,086/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,263
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,994
−HK$742/mo
Today · 4.125%
HK$28,736
baseline
▲ 0.50% · 4.625%
HK$30,251
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,472/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$996/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$2,037/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,052
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,992
−HK$954/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$1,948/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,296 · 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).