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$18,082
−HK$554/mo
Today · 4.125%
HK$18,636
baseline
▲ 0.50% · 4.625%
HK$19,770
+HK$1,134/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$230,714 · 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$21,647
+HK$1,084/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$230,714 · 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$23,724
+HK$1,361/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$230,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,264/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$230,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,551
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,314
−HK$776/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,588/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$230,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,312
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,045
−HK$743/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$230,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,565
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,547
−HK$998/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,116
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,058
−HK$955/mo
Today · 4.125%
HK$37,013
baseline
▲ 0.50% · 4.625%
HK$38,964
+HK$1,951/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$230,714 · 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).