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$17,593
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,141
−HK$556/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,834
+HK$1,137/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$532/mo
Today · 4.125%
HK$20,630
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,087/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,260/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$667/mo
Today · 4.125%
HK$22,436
baseline
▲ 0.50% · 4.625%
HK$23,801
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,872/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$639/mo
Today · 4.125%
HK$24,756
baseline
▲ 0.50% · 4.625%
HK$26,061
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,512/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,631
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$778/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,593/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$745/mo
Today · 4.125%
HK$28,882
baseline
▲ 0.50% · 4.625%
HK$30,404
+HK$1,522/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,764/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$1,001/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,702
+HK$2,048/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$958/mo
Today · 4.125%
HK$37,134
baseline
▲ 0.50% · 4.625%
HK$39,091
+HK$1,957/mo
Deposit HK$772K · loan HK$6.94M · min. income ≈ HK$74,268/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,468 · 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).