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$17,496
−HK$1,097/mo
▼ 0.25% · 3.875%
HK$18,040
−HK$553/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,724
+HK$1,131/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,464
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,986
−HK$529/mo
Today · 4.125%
HK$20,515
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,082/mo
Deposit HK$3.84M · loan HK$3.84M · min. income ≈ HK$41,030/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$663/mo
Today · 4.125%
HK$22,311
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,358/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,622/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,357
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,983
−HK$635/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$25,916
+HK$1,298/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,494
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$774/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,584/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,249
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$742/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,492
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,472
−HK$995/mo
Today · 4.125%
HK$33,467
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$2,037/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$66,934/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,974
−HK$954/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$38,874
+HK$1,946/mo
Deposit HK$767K · loan HK$6.91M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,181 · 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).