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$17,530
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,076
−HK$554/mo
Today · 4.125%
HK$18,630
baseline
▲ 0.50% · 4.625%
HK$19,763
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,260/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,025
−HK$531/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,639
+HK$1,083/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,036
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$664/mo
Today · 4.125%
HK$22,355
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,710/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$637/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$775/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,035
−HK$743/mo
Today · 4.125%
HK$28,778
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,556/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,536
−HK$997/mo
Today · 4.125%
HK$33,533
baseline
▲ 0.50% · 4.625%
HK$35,574
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,066/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,104
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,045
−HK$955/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$38,951
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$230,635 · 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).