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$17,591
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,138
−HK$556/mo
Today · 4.125%
HK$18,694
baseline
▲ 0.50% · 4.625%
HK$19,832
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,388/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$532/mo
Today · 4.125%
HK$20,627
baseline
▲ 0.50% · 4.625%
HK$21,714
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,254/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,766
−HK$667/mo
Today · 4.125%
HK$22,433
baseline
▲ 0.50% · 4.625%
HK$23,798
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,866/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,484
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,114
−HK$639/mo
Today · 4.125%
HK$24,753
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,304/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,506/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,394
−HK$778/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$745/mo
Today · 4.125%
HK$28,878
baseline
▲ 0.50% · 4.625%
HK$30,400
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,756/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,664
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,649
−HK$1,001/mo
Today · 4.125%
HK$33,650
baseline
▲ 0.50% · 4.625%
HK$35,697
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,300/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,226
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,171
−HK$958/mo
Today · 4.125%
HK$37,129
baseline
▲ 0.50% · 4.625%
HK$39,086
+HK$1,957/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,258/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,436 · 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).