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$17,544
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$18,090
−HK$554/mo
Today · 4.125%
HK$18,644
baseline
▲ 0.50% · 4.625%
HK$19,779
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,288/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,041
−HK$531/mo
Today · 4.125%
HK$20,572
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,085/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,144/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$665/mo
Today · 4.125%
HK$22,373
baseline
▲ 0.50% · 4.625%
HK$23,735
+HK$1,362/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,746/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,421
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$638/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,562
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$776/mo
Today · 4.125%
HK$26,102
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,204/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$743/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,518/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$998/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,602
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,074
−HK$956/mo
Today · 4.125%
HK$37,030
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,060/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$230,819 · 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).