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$17,551
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,097
−HK$555/mo
Today · 4.125%
HK$18,652
baseline
▲ 0.50% · 4.625%
HK$19,787
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,304/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,049
−HK$531/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,665
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$665/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,744
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,431
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$638/mo
Today · 4.125%
HK$24,697
baseline
▲ 0.50% · 4.625%
HK$25,998
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,394/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,572
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,336
−HK$777/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,336
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$744/mo
Today · 4.125%
HK$28,813
baseline
▲ 0.50% · 4.625%
HK$30,331
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,626/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,592
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$998/mo
Today · 4.125%
HK$33,573
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,146/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$956/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$1,952/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,911 · 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).