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$17,504
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,048
−HK$553/mo
Today · 4.125%
HK$18,601
baseline
▲ 0.50% · 4.625%
HK$19,733
+HK$1,132/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,202/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$530/mo
Today · 4.125%
HK$20,525
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,050/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,658
−HK$664/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,367
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$636/mo
Today · 4.125%
HK$24,630
baseline
▲ 0.50% · 4.625%
HK$25,928
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,260/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$774/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,585/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,262
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,993
−HK$742/mo
Today · 4.125%
HK$28,735
baseline
▲ 0.50% · 4.625%
HK$30,249
+HK$1,514/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,470/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,507
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$996/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$2,037/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,051
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,991
−HK$954/mo
Today · 4.125%
HK$36,945
baseline
▲ 0.50% · 4.625%
HK$38,892
+HK$1,947/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,890/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,288 · 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).