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$17,592
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$556/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,833
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,392/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,096
−HK$533/mo
Today · 4.125%
HK$20,629
baseline
▲ 0.50% · 4.625%
HK$21,716
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,258/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,111
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$667/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,800
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,116
−HK$639/mo
Today · 4.125%
HK$24,755
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,304/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,510/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$778/mo
Today · 4.125%
HK$26,174
baseline
▲ 0.50% · 4.625%
HK$27,767
+HK$1,593/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,348/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,400
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$745/mo
Today · 4.125%
HK$28,880
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,523/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,760/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,666
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,651
−HK$1,001/mo
Today · 4.125%
HK$33,652
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$2,048/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$67,304/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,173
−HK$959/mo
Today · 4.125%
HK$37,132
baseline
▲ 0.50% · 4.625%
HK$39,089
+HK$1,957/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$74,264/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,454 · 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).