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$17,565
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,112
−HK$555/mo
Today · 4.125%
HK$18,667
baseline
▲ 0.50% · 4.625%
HK$19,803
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,334/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,541
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,065
−HK$532/mo
Today · 4.125%
HK$20,597
baseline
▲ 0.50% · 4.625%
HK$21,683
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,194/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,078
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$666/mo
Today · 4.125%
HK$22,400
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,800/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,449
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$638/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,019
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,591
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$777/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,091
−HK$745/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,618
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$999/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$2,045/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$957/mo
Today · 4.125%
HK$37,075
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,150/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,097 · 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).