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$18,071
−HK$553/mo
Today · 4.125%
HK$18,624
baseline
▲ 0.50% · 4.625%
HK$19,758
+HK$1,134/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$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,497
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$530/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$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,031
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$664/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,709
+HK$1,360/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$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,024
−HK$636/mo
Today · 4.125%
HK$24,660
baseline
▲ 0.50% · 4.625%
HK$25,960
+HK$1,300/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,320/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$775/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,028
−HK$742/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,546
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,527
−HK$997/mo
Today · 4.125%
HK$33,524
baseline
▲ 0.50% · 4.625%
HK$35,564
+HK$2,040/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,048/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,094
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$954/mo
Today · 4.125%
HK$36,990
baseline
▲ 0.50% · 4.625%
HK$38,940
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$73,980/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,572 · 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).