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$17,512
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$18,057
−HK$553/mo
Today · 4.125%
HK$18,610
baseline
▲ 0.50% · 4.625%
HK$19,743
+HK$1,133/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,220/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$20,005
−HK$530/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,015
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$21,668
−HK$664/mo
Today · 4.125%
HK$22,332
baseline
▲ 0.50% · 4.625%
HK$23,691
+HK$1,359/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$44,664/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,379
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$24,006
−HK$636/mo
Today · 4.125%
HK$24,642
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.61M · min. income ≈ HK$49,284/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$774/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,586/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$743/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,515/mo
Deposit HK$2.30M · loan HK$5.38M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,522
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,502
−HK$997/mo
Today · 4.125%
HK$33,499
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$2,038/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$66,998/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,068
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$954/mo
Today · 4.125%
HK$36,962
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$1,949/mo
Deposit HK$768K · loan HK$6.91M · min. income ≈ HK$73,924/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$230,398 · 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).