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$17,598
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,145
−HK$556/mo
Today · 4.125%
HK$18,701
baseline
▲ 0.50% · 4.625%
HK$19,839
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,402/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,577
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,102
−HK$533/mo
Today · 4.125%
HK$20,635
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,270/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,774
−HK$668/mo
Today · 4.125%
HK$22,442
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,884/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,493
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,123
−HK$639/mo
Today · 4.125%
HK$24,762
baseline
▲ 0.50% · 4.625%
HK$26,067
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,524/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$779/mo
Today · 4.125%
HK$26,182
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,364/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,408
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$746/mo
Today · 4.125%
HK$28,889
baseline
▲ 0.50% · 4.625%
HK$30,412
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,778/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$1,001/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$2,049/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,324/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,239
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,184
−HK$959/mo
Today · 4.125%
HK$37,143
baseline
▲ 0.50% · 4.625%
HK$39,101
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,286/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,524 · 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).