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$17,501
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$553/mo
Today · 4.125%
HK$18,598
baseline
▲ 0.50% · 4.625%
HK$19,730
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,196/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,469
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$529/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,603
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$664/mo
Today · 4.125%
HK$22,318
baseline
▲ 0.50% · 4.625%
HK$23,676
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,636/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$635/mo
Today · 4.125%
HK$24,625
baseline
▲ 0.50% · 4.625%
HK$25,924
+HK$1,299/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,250/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$774/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$742/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,481
−HK$996/mo
Today · 4.125%
HK$33,477
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,954/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,985
−HK$953/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$1,947/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,247 · 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).