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$17,599
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$556/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,406/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,579
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$533/mo
Today · 4.125%
HK$20,637
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,274/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,776
−HK$667/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,809
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,495
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,125
−HK$639/mo
Today · 4.125%
HK$24,764
baseline
▲ 0.50% · 4.625%
HK$26,069
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,528/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,639
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$779/mo
Today · 4.125%
HK$26,184
baseline
▲ 0.50% · 4.625%
HK$27,777
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,368/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,410
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$746/mo
Today · 4.125%
HK$28,891
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,782/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,664
−HK$1,001/mo
Today · 4.125%
HK$33,665
baseline
▲ 0.50% · 4.625%
HK$35,713
+HK$2,048/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,330/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,242
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$959/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,542 · 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).