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$17,561
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,107
−HK$555/mo
Today · 4.125%
HK$18,662
baseline
▲ 0.50% · 4.625%
HK$19,798
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,324/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$532/mo
Today · 4.125%
HK$20,592
baseline
▲ 0.50% · 4.625%
HK$21,677
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,184/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,073
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,729
−HK$666/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,757
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,444
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,072
−HK$638/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,013
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,585
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,350
−HK$777/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,717
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,351
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,085
−HK$744/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,348
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,610
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,593
−HK$999/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$2,044/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,166
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,109
−HK$956/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,040 · 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).