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$17,595
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,142
−HK$556/mo
Today · 4.125%
HK$18,698
baseline
▲ 0.50% · 4.625%
HK$19,836
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,396/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,574
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$532/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,719
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,770
−HK$668/mo
Today · 4.125%
HK$22,438
baseline
▲ 0.50% · 4.625%
HK$23,803
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,876/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,489
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$639/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,063
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,633
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$778/mo
Today · 4.125%
HK$26,177
baseline
▲ 0.50% · 4.625%
HK$27,770
+HK$1,593/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,354/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$746/mo
Today · 4.125%
HK$28,884
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,523/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,768/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,670
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$1,001/mo
Today · 4.125%
HK$33,657
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$2,047/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$67,314/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,233
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,178
−HK$959/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,094
+HK$1,957/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,484 · 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).