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$17,580
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,127
−HK$555/mo
Today · 4.125%
HK$18,682
baseline
▲ 0.50% · 4.625%
HK$19,819
+HK$1,137/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,364/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,557
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,082
−HK$532/mo
Today · 4.125%
HK$20,614
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,228/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,096
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,752
−HK$667/mo
Today · 4.125%
HK$22,419
baseline
▲ 0.50% · 4.625%
HK$23,783
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,838/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$639/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,041
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,612
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$778/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,746
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,380
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,114
−HK$745/mo
Today · 4.125%
HK$28,859
baseline
▲ 0.50% · 4.625%
HK$30,381
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,718/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,628
−HK$1,000/mo
Today · 4.125%
HK$33,628
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,256/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,203
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,147
−HK$958/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,286 · 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).