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$17,556
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,102
−HK$555/mo
Today · 4.125%
HK$18,657
baseline
▲ 0.50% · 4.625%
HK$19,792
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,314/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$531/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,671
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,068
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,723
−HK$666/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,751
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,437
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$638/mo
Today · 4.125%
HK$24,704
baseline
▲ 0.50% · 4.625%
HK$26,006
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,408/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,579
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$777/mo
Today · 4.125%
HK$26,120
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,240/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,344
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,077
−HK$744/mo
Today · 4.125%
HK$28,821
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,642/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,601
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$999/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,156
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$956/mo
Today · 4.125%
HK$37,055
baseline
▲ 0.50% · 4.625%
HK$39,009
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,110/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,978 · 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).