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$17,603
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,151
−HK$556/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,845
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,583
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,109
−HK$532/mo
Today · 4.125%
HK$20,641
baseline
▲ 0.50% · 4.625%
HK$21,729
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,282/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,781
−HK$667/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,500
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$640/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$779/mo
Today · 4.125%
HK$26,190
baseline
▲ 0.50% · 4.625%
HK$27,783
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,380/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$746/mo
Today · 4.125%
HK$28,898
baseline
▲ 0.50% · 4.625%
HK$30,421
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,796/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,686
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$1,002/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,722
+HK$2,049/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,250
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,195
−HK$959/mo
Today · 4.125%
HK$37,154
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,308/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,595 · 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).