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$17,601
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$556/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,842
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,408/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,580
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$532/mo
Today · 4.125%
HK$20,638
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,276/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$667/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,496
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$639/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$779/mo
Today · 4.125%
HK$26,186
baseline
▲ 0.50% · 4.625%
HK$27,779
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,372/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,413
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,148
−HK$746/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,681
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$1,002/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,716
+HK$2,048/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,245
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$959/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,107
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,560 · 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).