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$17,545
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,091
−HK$554/mo
Today · 4.125%
HK$18,645
baseline
▲ 0.50% · 4.625%
HK$19,780
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,290/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$531/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,054
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$665/mo
Today · 4.125%
HK$22,374
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,748/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,422
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$638/mo
Today · 4.125%
HK$24,688
baseline
▲ 0.50% · 4.625%
HK$25,989
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,376/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$776/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,326
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,059
−HK$743/mo
Today · 4.125%
HK$28,802
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,604/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,581
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,563
−HK$998/mo
Today · 4.125%
HK$33,561
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,122/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,133
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,075
−HK$956/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,828 · 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).