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$17,606
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,154
−HK$556/mo
Today · 4.125%
HK$18,710
baseline
▲ 0.50% · 4.625%
HK$19,849
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,420/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,112
−HK$533/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,733
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,127
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$668/mo
Today · 4.125%
HK$22,452
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,904/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,134
−HK$640/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,648
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$779/mo
Today · 4.125%
HK$26,194
baseline
▲ 0.50% · 4.625%
HK$27,788
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,388/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$746/mo
Today · 4.125%
HK$28,903
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,806/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,691
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$1,001/mo
Today · 4.125%
HK$33,678
baseline
▲ 0.50% · 4.625%
HK$35,727
+HK$2,049/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,356/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,201
−HK$959/mo
Today · 4.125%
HK$37,160
baseline
▲ 0.50% · 4.625%
HK$39,119
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,320/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,632 · 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).