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$17,538
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,084
−HK$554/mo
Today · 4.125%
HK$18,638
baseline
▲ 0.50% · 4.625%
HK$19,772
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,276/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,511
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$531/mo
Today · 4.125%
HK$20,565
baseline
▲ 0.50% · 4.625%
HK$21,649
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,130/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,046
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,700
−HK$665/mo
Today · 4.125%
HK$22,365
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,730/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,413
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,041
−HK$637/mo
Today · 4.125%
HK$24,678
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,356/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,553
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$776/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,048
−HK$743/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,568
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,550
−HK$998/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,120
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,062
−HK$955/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$38,968
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,738 · 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).