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$17,574
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,121
−HK$556/mo
Today · 4.125%
HK$18,677
baseline
▲ 0.50% · 4.625%
HK$19,813
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,354/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,551
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,076
−HK$532/mo
Today · 4.125%
HK$20,608
baseline
▲ 0.50% · 4.625%
HK$21,694
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,216/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,089
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,745
−HK$667/mo
Today · 4.125%
HK$22,412
baseline
▲ 0.50% · 4.625%
HK$23,776
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,824/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$24,091
−HK$638/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,033
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$777/mo
Today · 4.125%
HK$26,147
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,294/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,106
−HK$745/mo
Today · 4.125%
HK$28,851
baseline
▲ 0.50% · 4.625%
HK$30,372
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,702/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$1,000/mo
Today · 4.125%
HK$33,618
baseline
▲ 0.50% · 4.625%
HK$35,663
+HK$2,045/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,236/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,193
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$958/mo
Today · 4.125%
HK$37,094
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$1,955/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,188/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,217 · 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).