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$17,536
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,081
−HK$555/mo
Today · 4.125%
HK$18,636
baseline
▲ 0.50% · 4.625%
HK$19,769
+HK$1,133/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,272/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,509
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,032
−HK$531/mo
Today · 4.125%
HK$20,563
baseline
▲ 0.50% · 4.625%
HK$21,646
+HK$1,083/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,126/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,698
−HK$665/mo
Today · 4.125%
HK$22,363
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,360/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,726/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,410
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$637/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,314
−HK$776/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,677
+HK$1,587/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,180/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,312
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$744/mo
Today · 4.125%
HK$28,788
baseline
▲ 0.50% · 4.625%
HK$30,305
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,576/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,565
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$998/mo
Today · 4.125%
HK$33,544
baseline
▲ 0.50% · 4.625%
HK$35,585
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,088/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,115
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,057
−HK$956/mo
Today · 4.125%
HK$37,013
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$1,950/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,026/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,710 · 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).