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$17,537
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,082
−HK$555/mo
Today · 4.125%
HK$18,637
baseline
▲ 0.50% · 4.625%
HK$19,771
+HK$1,134/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,274/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,033
−HK$531/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,044
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$665/mo
Today · 4.125%
HK$22,364
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$44,728/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,040
−HK$637/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$25,977
+HK$1,300/mo
Deposit HK$3.08M · loan HK$4.61M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$776/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,679
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,314
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,046
−HK$743/mo
Today · 4.125%
HK$28,789
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,578/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,567
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$998/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$2,041/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,117
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,059
−HK$956/mo
Today · 4.125%
HK$37,015
baseline
▲ 0.50% · 4.625%
HK$38,966
+HK$1,951/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,030/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,724 · 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).