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$17,582
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$556/mo
Today · 4.125%
HK$18,685
baseline
▲ 0.50% · 4.625%
HK$19,822
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,370/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,560
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$532/mo
Today · 4.125%
HK$20,617
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,234/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,755
−HK$667/mo
Today · 4.125%
HK$22,422
baseline
▲ 0.50% · 4.625%
HK$23,786
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,844/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,102
−HK$638/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,615
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,381
−HK$778/mo
Today · 4.125%
HK$26,159
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,318/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,119
−HK$745/mo
Today · 4.125%
HK$28,864
baseline
▲ 0.50% · 4.625%
HK$30,385
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,728/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,648
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,632
−HK$1,001/mo
Today · 4.125%
HK$33,633
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,266/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,208
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$958/mo
Today · 4.125%
HK$37,110
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,220/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,320 · 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).