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$17,573
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,120
−HK$555/mo
Today · 4.125%
HK$18,675
baseline
▲ 0.50% · 4.625%
HK$19,811
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,350/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,550
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,074
−HK$532/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,692
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,088
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$666/mo
Today · 4.125%
HK$22,410
baseline
▲ 0.50% · 4.625%
HK$23,774
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,820/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,460
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,089
−HK$638/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,031
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,602
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$777/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,736
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,104
−HK$745/mo
Today · 4.125%
HK$28,849
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,520/mo
Deposit HK$2.31M · loan HK$5.39M · min. income ≈ HK$57,698/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,632
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$1,000/mo
Today · 4.125%
HK$33,615
baseline
▲ 0.50% · 4.625%
HK$35,661
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,230/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,134
−HK$957/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,046
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,199 · 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).