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$17,584
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,131
−HK$556/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,824
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,374/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,563
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$532/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$667/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,789
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,850/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,475
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$638/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,048
+HK$1,305/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$778/mo
Today · 4.125%
HK$26,162
baseline
▲ 0.50% · 4.625%
HK$27,754
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,324/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,122
−HK$745/mo
Today · 4.125%
HK$28,867
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,734/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,652
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$1,000/mo
Today · 4.125%
HK$33,637
baseline
▲ 0.50% · 4.625%
HK$35,684
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,274/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,213
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$958/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,071
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,349 · 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).