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$17,555
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,101
−HK$555/mo
Today · 4.125%
HK$18,656
baseline
▲ 0.50% · 4.625%
HK$19,791
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,312/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,530
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$531/mo
Today · 4.125%
HK$20,585
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,170/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,722
−HK$665/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,750
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,436
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$637/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$777/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,708
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$744/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,600
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$999/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,154
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$956/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,965 · 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).