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$17,499
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,043
−HK$553/mo
Today · 4.125%
HK$18,596
baseline
▲ 0.50% · 4.625%
HK$19,728
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,192/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,467
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,989
−HK$530/mo
Today · 4.125%
HK$20,519
baseline
▲ 0.50% · 4.625%
HK$21,601
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,038/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,998
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$663/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,673
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,987
−HK$636/mo
Today · 4.125%
HK$24,623
baseline
▲ 0.50% · 4.625%
HK$25,921
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,246/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$774/mo
Today · 4.125%
HK$26,034
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,068/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,985
−HK$741/mo
Today · 4.125%
HK$28,726
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,452/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$996/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,041
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,981
−HK$953/mo
Today · 4.125%
HK$36,934
baseline
▲ 0.50% · 4.625%
HK$38,881
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,868/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,221 · 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).