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$17,587
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$556/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$533/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,710
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$667/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,108
−HK$639/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$778/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,126
−HK$746/mo
Today · 4.125%
HK$28,872
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,744/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,657
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$1,000/mo
Today · 4.125%
HK$33,642
baseline
▲ 0.50% · 4.625%
HK$35,689
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,284/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$959/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,077
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,384 · 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).