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$1,101/mo
▼ 0.25% · 3.875%
HK$18,109
−HK$555/mo
Today · 4.125%
HK$18,664
baseline
▲ 0.50% · 4.625%
HK$19,800
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,328/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,062
−HK$532/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,680
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,075
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$666/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,446
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,075
−HK$638/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$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,542/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$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$745/mo
Today · 4.125%
HK$28,832
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,519/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$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,596
−HK$1,000/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,640
+HK$2,044/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$231,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$957/mo
Today · 4.125%
HK$37,069
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,138/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,065 · 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).