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$17,547
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,093
−HK$555/mo
Today · 4.125%
HK$18,648
baseline
▲ 0.50% · 4.625%
HK$19,782
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,296/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,521
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$531/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,057
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,712
−HK$665/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,739
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$637/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$777/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$744/mo
Today · 4.125%
HK$28,806
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,612/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$999/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,608
+HK$2,042/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$956/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,859 · 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).