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$17,600
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,147
−HK$556/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,841
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,406/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,579
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$532/mo
Today · 4.125%
HK$20,637
baseline
▲ 0.50% · 4.625%
HK$21,725
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,274/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,777
−HK$667/mo
Today · 4.125%
HK$22,444
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,888/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,495
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,125
−HK$640/mo
Today · 4.125%
HK$24,765
baseline
▲ 0.50% · 4.625%
HK$26,070
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,530/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,640
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,406
−HK$779/mo
Today · 4.125%
HK$26,185
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,370/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$746/mo
Today · 4.125%
HK$28,892
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,784/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,679
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,665
−HK$1,001/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,714
+HK$2,048/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,243
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,188
−HK$959/mo
Today · 4.125%
HK$37,147
baseline
▲ 0.50% · 4.625%
HK$39,105
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,294/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,549 · 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).