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$17,579
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,126
−HK$555/mo
Today · 4.125%
HK$18,681
baseline
▲ 0.50% · 4.625%
HK$19,818
+HK$1,137/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$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,556
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$532/mo
Today · 4.125%
HK$20,613
baseline
▲ 0.50% · 4.625%
HK$21,699
+HK$1,086/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,226/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$667/mo
Today · 4.125%
HK$22,418
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,364/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$44,836/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$639/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,039
+HK$1,303/mo
Deposit HK$3.08M · loan HK$4.63M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,376
−HK$778/mo
Today · 4.125%
HK$26,154
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,591/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$52,308/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,379
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,113
−HK$745/mo
Today · 4.125%
HK$28,858
baseline
▲ 0.50% · 4.625%
HK$30,379
+HK$1,521/mo
Deposit HK$2.31M · loan HK$5.40M · min. income ≈ HK$57,716/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$1,000/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$2,046/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,201
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,146
−HK$957/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$1,956/mo
Deposit HK$771K · loan HK$6.94M · min. income ≈ HK$74,206/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,276 · 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).