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$17,549
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,095
−HK$554/mo
Today · 4.125%
HK$18,649
baseline
▲ 0.50% · 4.625%
HK$19,784
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,298/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,523
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,046
−HK$531/mo
Today · 4.125%
HK$20,577
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,154/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$666/mo
Today · 4.125%
HK$22,379
baseline
▲ 0.50% · 4.625%
HK$23,741
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,758/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,427
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,056
−HK$637/mo
Today · 4.125%
HK$24,693
baseline
▲ 0.50% · 4.625%
HK$25,995
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,386/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$777/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,065
−HK$743/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,327
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,588
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,570
−HK$998/mo
Today · 4.125%
HK$33,568
baseline
▲ 0.50% · 4.625%
HK$35,611
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,136/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,141
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,083
−HK$956/mo
Today · 4.125%
HK$37,039
baseline
▲ 0.50% · 4.625%
HK$38,992
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,078/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,878 · 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).