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$17,547
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$554/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$531/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$666/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$637/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$776/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,329
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$744/mo
Today · 4.125%
HK$28,806
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,612/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,584
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$998/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$2,042/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$956/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$38,988
+HK$1,952/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,855 · 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).