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$17,594
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$556/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,835
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$533/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,718
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,113
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$667/mo
Today · 4.125%
HK$22,437
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,874/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,488
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$639/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,398
−HK$778/mo
Today · 4.125%
HK$26,176
baseline
▲ 0.50% · 4.625%
HK$27,769
+HK$1,593/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,352/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$746/mo
Today · 4.125%
HK$28,883
baseline
▲ 0.50% · 4.625%
HK$30,405
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,766/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$1,001/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,703
+HK$2,048/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,177
−HK$958/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,093
+HK$1,958/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,474 · 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).