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$17,476
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$553/mo
Today · 4.125%
HK$18,572
baseline
▲ 0.50% · 4.625%
HK$19,702
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,144/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$529/mo
Today · 4.125%
HK$20,492
baseline
▲ 0.50% · 4.625%
HK$21,572
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,984/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$663/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,642
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,330
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$634/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$773/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$741/mo
Today · 4.125%
HK$28,689
baseline
▲ 0.50% · 4.625%
HK$30,201
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,378/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,456
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,435
−HK$994/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,463
+HK$2,034/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,995
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,933
−HK$953/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$38,830
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,919 · 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).