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$17,539
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$555/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,773
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,512
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$531/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,650
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,701
−HK$665/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,727
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,042
−HK$637/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$776/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$743/mo
Today · 4.125%
HK$28,792
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,584/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,570
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$998/mo
Today · 4.125%
HK$33,550
baseline
▲ 0.50% · 4.625%
HK$35,591
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,100/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$956/mo
Today · 4.125%
HK$37,019
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,038/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,748 · 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).