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$17,570
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,116
−HK$556/mo
Today · 4.125%
HK$18,672
baseline
▲ 0.50% · 4.625%
HK$19,808
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,344/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,546
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$531/mo
Today · 4.125%
HK$20,602
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,204/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,084
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,740
−HK$666/mo
Today · 4.125%
HK$22,406
baseline
▲ 0.50% · 4.625%
HK$23,769
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,812/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,456
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$638/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,026
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$777/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,731
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,280/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,365
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,099
−HK$744/mo
Today · 4.125%
HK$28,843
baseline
▲ 0.50% · 4.625%
HK$30,364
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,686/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$999/mo
Today · 4.125%
HK$33,609
baseline
▲ 0.50% · 4.625%
HK$35,654
+HK$2,045/mo
Deposit HK$771K · loan HK$6.93M · min. income ≈ HK$67,218/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,184
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$957/mo
Today · 4.125%
HK$37,084
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$1,955/mo
Deposit HK$771K · loan HK$6.93M · min. income ≈ HK$74,168/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,158 · 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).