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$17,554
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$555/mo
Today · 4.125%
HK$18,655
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$531/mo
Today · 4.125%
HK$20,584
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,168/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$666/mo
Today · 4.125%
HK$22,386
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,772/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,435
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$638/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,003
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$777/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,706
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,341
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$744/mo
Today · 4.125%
HK$28,818
baseline
▲ 0.50% · 4.625%
HK$30,337
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,636/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,598
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$998/mo
Today · 4.125%
HK$33,579
baseline
▲ 0.50% · 4.625%
HK$35,622
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,158/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,152
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,095
−HK$956/mo
Today · 4.125%
HK$37,051
baseline
▲ 0.50% · 4.625%
HK$39,004
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,102/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,952 · 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).