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$17,549
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$555/mo
Today · 4.125%
HK$18,650
baseline
▲ 0.50% · 4.625%
HK$19,785
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,300/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,524
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,047
−HK$531/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,663
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,059
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,714
−HK$666/mo
Today · 4.125%
HK$22,380
baseline
▲ 0.50% · 4.625%
HK$23,742
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,760/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,428
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$637/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$25,996
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$777/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$744/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,328
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,589
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$998/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,612
+HK$2,042/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,142
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,085
−HK$956/mo
Today · 4.125%
HK$37,041
baseline
▲ 0.50% · 4.625%
HK$38,993
+HK$1,952/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,082/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,888 · 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).