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$17,593
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,140
−HK$556/mo
Today · 4.125%
HK$18,696
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$1,138/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$231,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,572
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,097
−HK$532/mo
Today · 4.125%
HK$20,629
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,088/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$231,458 · 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$231,458 · 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$26,060
+HK$1,305/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$231,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,630
−HK$1,544/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$231,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,400
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,135
−HK$746/mo
Today · 4.125%
HK$28,881
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,762/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,667
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$1,001/mo
Today · 4.125%
HK$33,653
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$2,047/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$67,306/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,174
−HK$959/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,090
+HK$1,957/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,458 · 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).