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$17,541
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,087
−HK$554/mo
Today · 4.125%
HK$18,641
baseline
▲ 0.50% · 4.625%
HK$19,776
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,282/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,038
−HK$531/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,050
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$665/mo
Today · 4.125%
HK$22,370
baseline
▲ 0.50% · 4.625%
HK$23,731
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,740/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,418
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,046
−HK$637/mo
Today · 4.125%
HK$24,683
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,366/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,558
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,322
−HK$776/mo
Today · 4.125%
HK$26,098
baseline
▲ 0.50% · 4.625%
HK$27,686
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,196/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,321
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,053
−HK$744/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,315
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,575
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$998/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,596
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$955/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,783 · 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).