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$17,590
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,138
−HK$555/mo
Today · 4.125%
HK$18,693
baseline
▲ 0.50% · 4.625%
HK$19,831
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,386/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,569
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$532/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,714
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,765
−HK$667/mo
Today · 4.125%
HK$22,432
baseline
▲ 0.50% · 4.625%
HK$23,797
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,864/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$639/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,056
+HK$1,304/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$778/mo
Today · 4.125%
HK$26,171
baseline
▲ 0.50% · 4.625%
HK$27,763
+HK$1,592/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,342/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,132
−HK$745/mo
Today · 4.125%
HK$28,877
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,754/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$1,000/mo
Today · 4.125%
HK$33,648
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$2,048/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,296/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,224
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$959/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,085
+HK$1,957/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,427 · 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).