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$17,554
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,100
−HK$554/mo
Today · 4.125%
HK$18,654
baseline
▲ 0.50% · 4.625%
HK$19,790
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,308/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,528
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,052
−HK$531/mo
Today · 4.125%
HK$20,583
baseline
▲ 0.50% · 4.625%
HK$21,668
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,166/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$665/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,434
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,062
−HK$638/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,575
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$776/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,705
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,340
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,073
−HK$744/mo
Today · 4.125%
HK$28,817
baseline
▲ 0.50% · 4.625%
HK$30,336
+HK$1,519/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,634/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$999/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$2,043/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,094
−HK$956/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,003
+HK$1,953/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,944 · 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).