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$17,572
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,118
−HK$556/mo
Today · 4.125%
HK$18,674
baseline
▲ 0.50% · 4.625%
HK$19,810
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,348/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$532/mo
Today · 4.125%
HK$20,605
baseline
▲ 0.50% · 4.625%
HK$21,691
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,210/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,182 · 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$231,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$639/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,029
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$777/mo
Today · 4.125%
HK$26,143
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,591/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$231,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,102
−HK$744/mo
Today · 4.125%
HK$28,846
baseline
▲ 0.50% · 4.625%
HK$30,367
+HK$1,521/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$231,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$1,000/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$2,045/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,131
−HK$957/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$231,182 · 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).