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$17,571
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,117
−HK$555/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,809
+HK$1,137/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,547
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$532/mo
Today · 4.125%
HK$20,603
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,206/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,085
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$666/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,457
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$638/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,599
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$777/mo
Today · 4.125%
HK$26,141
baseline
▲ 0.50% · 4.625%
HK$27,732
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,282/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,100
−HK$744/mo
Today · 4.125%
HK$28,844
baseline
▲ 0.50% · 4.625%
HK$30,365
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,688/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,627
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,611
−HK$999/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$2,045/mo
Deposit HK$771K · loan HK$6.93M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,185
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,128
−HK$958/mo
Today · 4.125%
HK$37,086
baseline
▲ 0.50% · 4.625%
HK$39,041
+HK$1,955/mo
Deposit HK$771K · loan HK$6.93M · min. income ≈ HK$74,172/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,167 · 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).