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$17,582
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,129
−HK$555/mo
Today · 4.125%
HK$18,684
baseline
▲ 0.50% · 4.625%
HK$19,821
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,368/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,084
−HK$532/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,754
−HK$667/mo
Today · 4.125%
HK$22,421
baseline
▲ 0.50% · 4.625%
HK$23,785
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,842/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,471
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$638/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,043
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,380
−HK$778/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,118
−HK$745/mo
Today · 4.125%
HK$28,863
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,726/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,647
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$1,000/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,678
+HK$2,047/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,151
−HK$958/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,311 · 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).