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$17,563
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$555/mo
Today · 4.125%
HK$18,665
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,330/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,539
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$532/mo
Today · 4.125%
HK$20,595
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,190/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,076
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$667/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$637/mo
Today · 4.125%
HK$24,713
baseline
▲ 0.50% · 4.625%
HK$26,016
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,426/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,589
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,353
−HK$777/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,088
−HK$744/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,352
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,664/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,614
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,597
−HK$999/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$2,045/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,192/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,170
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,113
−HK$957/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,024
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,070 · 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).