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$17,585
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,132
−HK$556/mo
Today · 4.125%
HK$18,688
baseline
▲ 0.50% · 4.625%
HK$19,825
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,376/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,563
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$532/mo
Today · 4.125%
HK$20,620
baseline
▲ 0.50% · 4.625%
HK$21,707
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,240/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,102
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$666/mo
Today · 4.125%
HK$22,425
baseline
▲ 0.50% · 4.625%
HK$23,790
+HK$1,365/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$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,476
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$638/mo
Today · 4.125%
HK$24,744
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,305/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,488/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$778/mo
Today · 4.125%
HK$26,163
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,326/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$745/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,390
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,638
−HK$1,000/mo
Today · 4.125%
HK$33,638
baseline
▲ 0.50% · 4.625%
HK$35,685
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,276/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,214
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$958/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,073
+HK$1,957/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,358 · 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).