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$17,546
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$555/mo
Today · 4.125%
HK$18,646
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,292/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,519
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$531/mo
Today · 4.125%
HK$20,574
baseline
▲ 0.50% · 4.625%
HK$21,658
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,148/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,055
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$665/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,737
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,423
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$637/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$776/mo
Today · 4.125%
HK$26,104
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,208/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,327
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$744/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,322
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,565
−HK$998/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,605
+HK$2,042/mo
Deposit HK$769K · loan HK$6.93M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,135
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,077
−HK$956/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$1,952/mo
Deposit HK$769K · loan HK$6.93M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,839 · 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).