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$17,573
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,119
−HK$556/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,074
−HK$532/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,743
−HK$667/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,773
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,459
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$639/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$777/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,735
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,369
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,103
−HK$745/mo
Today · 4.125%
HK$28,848
baseline
▲ 0.50% · 4.625%
HK$30,368
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,696/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,631
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$999/mo
Today · 4.125%
HK$33,614
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,228/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,133
−HK$957/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,193 · 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).