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$17,543
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$555/mo
Today · 4.125%
HK$18,643
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,286/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,516
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,039
−HK$531/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,655
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,706
−HK$665/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$638/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$776/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,323
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$744/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,577
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,559
−HK$998/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,599
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,129
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$956/mo
Today · 4.125%
HK$37,027
baseline
▲ 0.50% · 4.625%
HK$38,979
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,054/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,799 · 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).