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$17,596
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,143
−HK$556/mo
Today · 4.125%
HK$18,699
baseline
▲ 0.50% · 4.625%
HK$19,837
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,398/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$533/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$667/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,490
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,120
−HK$639/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,064
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,400
−HK$779/mo
Today · 4.125%
HK$26,179
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,593/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,358/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,405
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,140
−HK$746/mo
Today · 4.125%
HK$28,886
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,523/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,772/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$1,001/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$2,048/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,235
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,180
−HK$959/mo
Today · 4.125%
HK$37,139
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$1,958/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$74,278/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,499 · 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).