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$17,408
−HK$1,091/mo
▼ 0.25% · 3.875%
HK$17,949
−HK$550/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,625
+HK$1,126/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$36,998/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,366
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$527/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,488
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,539
−HK$660/mo
Today · 4.125%
HK$22,199
baseline
▲ 0.50% · 4.625%
HK$23,550
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,398/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,239
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,862
−HK$633/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$770/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$738/mo
Today · 4.125%
HK$28,577
baseline
▲ 0.50% · 4.625%
HK$30,083
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,154/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,334
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$990/mo
Today · 4.125%
HK$33,299
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,598/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$948/mo
Today · 4.125%
HK$36,742
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$1,937/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,484/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,024 · 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).