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$17,546
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,092
−HK$555/mo
Today · 4.125%
HK$18,647
baseline
▲ 0.50% · 4.625%
HK$19,781
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,294/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,520
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,044
−HK$531/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,056
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,711
−HK$665/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,738
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,424
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$638/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$776/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$744/mo
Today · 4.125%
HK$28,805
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,610/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,584
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$998/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$2,042/mo
Deposit HK$769K · loan HK$6.93M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,136
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$956/mo
Today · 4.125%
HK$37,035
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$1,952/mo
Deposit HK$769K · loan HK$6.93M · min. income ≈ HK$74,070/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,848 · 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).