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$17,568
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,114
−HK$555/mo
Today · 4.125%
HK$18,669
baseline
▲ 0.50% · 4.625%
HK$19,805
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,338/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$532/mo
Today · 4.125%
HK$20,600
baseline
▲ 0.50% · 4.625%
HK$21,686
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,200/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,081
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$666/mo
Today · 4.125%
HK$22,403
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,806/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$638/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,595
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$777/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,728
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,362
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$745/mo
Today · 4.125%
HK$28,840
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,680/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,622
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,606
−HK$999/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$2,045/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,179
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,123
−HK$957/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,034
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,129 · 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).