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$17,483
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$552/mo
Today · 4.125%
HK$18,579
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$1,131/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,158/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,971
−HK$529/mo
Today · 4.125%
HK$20,500
baseline
▲ 0.50% · 4.625%
HK$21,581
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,000/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$663/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,357/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$635/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$25,897
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,476
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$774/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,583/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$740/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$995/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$2,034/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,009
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,948
−HK$953/mo
Today · 4.125%
HK$36,901
baseline
▲ 0.50% · 4.625%
HK$38,846
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,802/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,013 · 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).