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$17,587
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,134
−HK$556/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,827
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,565
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$532/mo
Today · 4.125%
HK$20,622
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,244/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$667/mo
Today · 4.125%
HK$22,428
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,364/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,856/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,478
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,108
−HK$639/mo
Today · 4.125%
HK$24,747
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,304/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,494/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,621
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$778/mo
Today · 4.125%
HK$26,165
baseline
▲ 0.50% · 4.625%
HK$27,758
+HK$1,593/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,330/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,391
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,126
−HK$745/mo
Today · 4.125%
HK$28,871
baseline
▲ 0.50% · 4.625%
HK$30,393
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,742/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$1,000/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,217
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$958/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,379 · 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).