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$17,557
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,103
−HK$555/mo
Today · 4.125%
HK$18,658
baseline
▲ 0.50% · 4.625%
HK$19,793
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,316/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,532
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$531/mo
Today · 4.125%
HK$20,587
baseline
▲ 0.50% · 4.625%
HK$21,672
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,174/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$665/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$638/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$777/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$744/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,602
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$999/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$2,044/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$957/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,986 · 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).