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$17,407
−HK$1,092/mo
▼ 0.25% · 3.875%
HK$17,948
−HK$551/mo
Today · 4.125%
HK$18,499
baseline
▲ 0.50% · 4.625%
HK$19,624
+HK$1,125/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$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$19,884
−HK$527/mo
Today · 4.125%
HK$20,411
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,076/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,822/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,888
−HK$1,310/mo
▼ 0.25% · 3.875%
HK$21,538
−HK$660/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,549
+HK$1,351/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$633/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,291/mo
Deposit HK$3.05M · loan HK$4.58M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,370
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$770/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,474
+HK$1,576/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$738/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,506/mo
Deposit HK$2.29M · loan HK$5.34M · min. income ≈ HK$57,152/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,307
−HK$990/mo
Today · 4.125%
HK$33,297
baseline
▲ 0.50% · 4.625%
HK$35,323
+HK$2,026/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$66,594/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$948/mo
Today · 4.125%
HK$36,740
baseline
▲ 0.50% · 4.625%
HK$38,677
+HK$1,937/mo
Deposit HK$763K · loan HK$6.87M · min. income ≈ HK$73,480/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$229,014 · 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).