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$17,571
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$555/mo
Today · 4.125%
HK$18,673
baseline
▲ 0.50% · 4.625%
HK$19,810
+HK$1,137/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,346/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,072
−HK$532/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,742
−HK$666/mo
Today · 4.125%
HK$22,408
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,816/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$638/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,028
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,365
−HK$778/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,286/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,101
−HK$745/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,366
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,692/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$999/mo
Today · 4.125%
HK$33,612
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$2,045/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,224/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,130
−HK$958/mo
Today · 4.125%
HK$37,088
baseline
▲ 0.50% · 4.625%
HK$39,043
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,176/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,178 · 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).