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$17,564
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$18,110
−HK$555/mo
Today · 4.125%
HK$18,665
baseline
▲ 0.50% · 4.625%
HK$19,801
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,330/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$531/mo
Today · 4.125%
HK$20,595
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,190/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$666/mo
Today · 4.125%
HK$22,398
baseline
▲ 0.50% · 4.625%
HK$23,761
+HK$1,363/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,796/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$638/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,589
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$777/mo
Today · 4.125%
HK$26,131
baseline
▲ 0.50% · 4.625%
HK$27,721
+HK$1,590/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,262/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,089
−HK$744/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,353
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,615
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,598
−HK$1,000/mo
Today · 4.125%
HK$33,598
baseline
▲ 0.50% · 4.625%
HK$35,642
+HK$2,044/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$67,196/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,115
−HK$957/mo
Today · 4.125%
HK$37,072
baseline
▲ 0.50% · 4.625%
HK$39,026
+HK$1,954/mo
Deposit HK$770K · loan HK$6.93M · min. income ≈ HK$74,144/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,078 · 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).