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$17,567
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$555/mo
Today · 4.125%
HK$18,668
baseline
▲ 0.50% · 4.625%
HK$19,804
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,336/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,543
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$532/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,685
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,080
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$666/mo
Today · 4.125%
HK$22,402
baseline
▲ 0.50% · 4.625%
HK$23,765
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,804/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,451
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$638/mo
Today · 4.125%
HK$24,718
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,436/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$777/mo
Today · 4.125%
HK$26,136
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,272/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,360
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,094
−HK$744/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,604
−HK$999/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,648
+HK$2,045/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,177
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,121
−HK$957/mo
Today · 4.125%
HK$37,078
baseline
▲ 0.50% · 4.625%
HK$39,032
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,156/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,117 · 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).