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$17,589
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$556/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,829
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,567
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,092
−HK$532/mo
Today · 4.125%
HK$20,624
baseline
▲ 0.50% · 4.625%
HK$21,711
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,248/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,106
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,763
−HK$667/mo
Today · 4.125%
HK$22,430
baseline
▲ 0.50% · 4.625%
HK$23,795
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,860/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,110
−HK$639/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,624
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$778/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,129
−HK$745/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,396
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,644
−HK$1,001/mo
Today · 4.125%
HK$33,645
baseline
▲ 0.50% · 4.625%
HK$35,692
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,290/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,221
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,165
−HK$959/mo
Today · 4.125%
HK$37,124
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,248/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,403 · 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).