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$17,583
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,130
−HK$556/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,823
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$532/mo
Today · 4.125%
HK$20,618
baseline
▲ 0.50% · 4.625%
HK$21,705
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,236/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,100
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,756
−HK$667/mo
Today · 4.125%
HK$22,423
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,846/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$638/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,046
+HK$1,305/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,382
−HK$778/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,752
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,120
−HK$745/mo
Today · 4.125%
HK$28,865
baseline
▲ 0.50% · 4.625%
HK$30,387
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,730/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,650
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$1,000/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,681
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,210
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$958/mo
Today · 4.125%
HK$37,112
baseline
▲ 0.50% · 4.625%
HK$39,068
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,224/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,331 · 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).