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$17,488
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,032
−HK$553/mo
Today · 4.125%
HK$18,585
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,170/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$529/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,986
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,638
−HK$664/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,346
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$636/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,245
−HK$774/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,602
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,968
−HK$741/mo
Today · 4.125%
HK$28,709
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,418/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$994/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$2,036/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$952/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$1,946/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,080 · 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).