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$17,578
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$18,125
−HK$556/mo
Today · 4.125%
HK$18,681
baseline
▲ 0.50% · 4.625%
HK$19,817
+HK$1,136/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,362/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,556
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$532/mo
Today · 4.125%
HK$20,612
baseline
▲ 0.50% · 4.625%
HK$21,699
+HK$1,087/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,224/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,750
−HK$667/mo
Today · 4.125%
HK$22,417
baseline
▲ 0.50% · 4.625%
HK$23,781
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,834/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,467
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,096
−HK$639/mo
Today · 4.125%
HK$24,735
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,304/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,470/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$778/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,378
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,112
−HK$745/mo
Today · 4.125%
HK$28,857
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,714/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,625
−HK$1,000/mo
Today · 4.125%
HK$33,625
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,250/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$957/mo
Today · 4.125%
HK$37,102
baseline
▲ 0.50% · 4.625%
HK$39,058
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,204/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,270 · 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).