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$17,572
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$555/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,810
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$532/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$667/mo
Today · 4.125%
HK$22,409
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,818/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,459
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$638/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$778/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$745/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,368
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,630
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$999/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,659
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$957/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,187 · 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).