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$17,500
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,044
−HK$553/mo
Today · 4.125%
HK$18,597
baseline
▲ 0.50% · 4.625%
HK$19,729
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,194/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,468
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,990
−HK$530/mo
Today · 4.125%
HK$20,520
baseline
▲ 0.50% · 4.625%
HK$21,602
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,040/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,000
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,653
−HK$663/mo
Today · 4.125%
HK$22,316
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,632/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,362
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$636/mo
Today · 4.125%
HK$24,624
baseline
▲ 0.50% · 4.625%
HK$25,922
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,248/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$774/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,620
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,255
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$742/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,242
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,499
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$996/mo
Today · 4.125%
HK$33,475
baseline
▲ 0.50% · 4.625%
HK$35,511
+HK$2,036/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,950/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,043
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,982
−HK$954/mo
Today · 4.125%
HK$36,936
baseline
▲ 0.50% · 4.625%
HK$38,883
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,872/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,232 · 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).