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$17,560
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,106
−HK$555/mo
Today · 4.125%
HK$18,661
baseline
▲ 0.50% · 4.625%
HK$19,797
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,322/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,535
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,059
−HK$532/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,676
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,072
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$666/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,756
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$638/mo
Today · 4.125%
HK$24,709
baseline
▲ 0.50% · 4.625%
HK$26,011
+HK$1,302/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,418/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,584
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$777/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,589/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,083
−HK$744/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$999/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,634
+HK$2,044/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,164
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,107
−HK$956/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,017
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,027 · 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).