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$17,576
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,122
−HK$556/mo
Today · 4.125%
HK$18,678
baseline
▲ 0.50% · 4.625%
HK$19,814
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,356/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,553
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,077
−HK$532/mo
Today · 4.125%
HK$20,609
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,218/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,747
−HK$666/mo
Today · 4.125%
HK$22,413
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,826/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,092
−HK$639/mo
Today · 4.125%
HK$24,731
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,462/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,371
−HK$778/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,740
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,374
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,108
−HK$745/mo
Today · 4.125%
HK$28,853
baseline
▲ 0.50% · 4.625%
HK$30,373
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,706/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$1,000/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,665
+HK$2,045/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,240/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,195
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$957/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,051
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,231 · 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).