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$17,569
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,116
−HK$555/mo
Today · 4.125%
HK$18,671
baseline
▲ 0.50% · 4.625%
HK$19,807
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,342/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,546
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,070
−HK$531/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,687
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,083
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$666/mo
Today · 4.125%
HK$22,405
baseline
▲ 0.50% · 4.625%
HK$23,768
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,810/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,455
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,084
−HK$638/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,597
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,362
−HK$777/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$744/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,624
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$1,000/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,653
+HK$2,045/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,182
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$958/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,148 · 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).