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$17,569
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$555/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$1,137/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,340/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,069
−HK$532/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,738
−HK$667/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,083
−HK$638/mo
Today · 4.125%
HK$24,721
baseline
▲ 0.50% · 4.625%
HK$26,024
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,442/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,596
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$778/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,729
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,097
−HK$744/mo
Today · 4.125%
HK$28,841
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,682/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,624
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,607
−HK$1,000/mo
Today · 4.125%
HK$33,607
baseline
▲ 0.50% · 4.625%
HK$35,652
+HK$2,045/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,214/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,181
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$957/mo
Today · 4.125%
HK$37,082
baseline
▲ 0.50% · 4.625%
HK$39,036
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,164/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,142 · 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).