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$17,586
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$555/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$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$533/mo
Today · 4.125%
HK$20,621
baseline
▲ 0.50% · 4.625%
HK$21,708
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,242/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,103
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,759
−HK$667/mo
Today · 4.125%
HK$22,426
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,365/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,852/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,477
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$639/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,049
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$778/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,124
−HK$745/mo
Today · 4.125%
HK$28,869
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,738/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,654
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$1,000/mo
Today · 4.125%
HK$33,639
baseline
▲ 0.50% · 4.625%
HK$35,686
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,278/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,159
−HK$958/mo
Today · 4.125%
HK$37,117
baseline
▲ 0.50% · 4.625%
HK$39,074
+HK$1,957/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,234/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,363 · 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).