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$17,486
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,030
−HK$553/mo
Today · 4.125%
HK$18,583
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,166/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,453
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,975
−HK$529/mo
Today · 4.125%
HK$20,504
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,008/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,983
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$663/mo
Today · 4.125%
HK$22,299
baseline
▲ 0.50% · 4.625%
HK$23,656
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,598/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,344
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,970
−HK$635/mo
Today · 4.125%
HK$24,605
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,210/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,480
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,242
−HK$774/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,598
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$741/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,219
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,475
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,454
−HK$995/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,484
+HK$2,035/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,015
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$953/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,053 · 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).