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$17,558
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,104
−HK$555/mo
Today · 4.125%
HK$18,659
baseline
▲ 0.50% · 4.625%
HK$19,795
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,318/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,533
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,057
−HK$532/mo
Today · 4.125%
HK$20,589
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,178/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,070
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$666/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,754
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,440
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$637/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,582
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$777/mo
Today · 4.125%
HK$26,123
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,246/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,347
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,080
−HK$744/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,605
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$999/mo
Today · 4.125%
HK$33,587
baseline
▲ 0.50% · 4.625%
HK$35,630
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,174/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,160
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,103
−HK$957/mo
Today · 4.125%
HK$37,060
baseline
▲ 0.50% · 4.625%
HK$39,013
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,120/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,004 · 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).