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$1,097/mo
▼ 0.25% · 3.875%
HK$18,027
−HK$553/mo
Today · 4.125%
HK$18,580
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,160/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,972
−HK$529/mo
Today · 4.125%
HK$20,501
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,081/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$41,002/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,316/mo
▼ 0.25% · 3.875%
HK$21,633
−HK$663/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,340
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$635/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$25,898
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,477
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$774/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,230
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$741/mo
Today · 4.125%
HK$28,701
baseline
▲ 0.50% · 4.625%
HK$30,214
+HK$1,513/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,402/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,470
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,449
−HK$995/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$2,034/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,010
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,949
−HK$953/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$38,847
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$230,019 · 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).