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$17,542
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,088
−HK$554/mo
Today · 4.125%
HK$18,642
baseline
▲ 0.50% · 4.625%
HK$19,777
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,039
−HK$531/mo
Today · 4.125%
HK$20,570
baseline
▲ 0.50% · 4.625%
HK$21,654
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,140/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,051
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,705
−HK$666/mo
Today · 4.125%
HK$22,371
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,742/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$637/mo
Today · 4.125%
HK$24,684
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,368/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$776/mo
Today · 4.125%
HK$26,099
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,198/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$744/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,316
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,576
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$998/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,598
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,128
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,070
−HK$956/mo
Today · 4.125%
HK$37,026
baseline
▲ 0.50% · 4.625%
HK$38,977
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,052/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,792 · 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).