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$17,604
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$557/mo
Today · 4.125%
HK$18,708
baseline
▲ 0.50% · 4.625%
HK$19,846
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,416/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,584
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$533/mo
Today · 4.125%
HK$20,642
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,284/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$667/mo
Today · 4.125%
HK$22,449
baseline
▲ 0.50% · 4.625%
HK$23,815
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,898/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,501
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$639/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,645
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,412
−HK$779/mo
Today · 4.125%
HK$26,191
baseline
▲ 0.50% · 4.625%
HK$27,784
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,382/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,418
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,153
−HK$746/mo
Today · 4.125%
HK$28,899
baseline
▲ 0.50% · 4.625%
HK$30,422
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,798/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$1,002/mo
Today · 4.125%
HK$33,674
baseline
▲ 0.50% · 4.625%
HK$35,723
+HK$2,049/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,348/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,251
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,197
−HK$959/mo
Today · 4.125%
HK$37,156
baseline
▲ 0.50% · 4.625%
HK$39,114
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,312/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,603 · 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).