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$17,622
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,170
−HK$557/mo
Today · 4.125%
HK$18,727
baseline
▲ 0.50% · 4.625%
HK$19,866
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,454/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,130
−HK$533/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,752
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$668/mo
Today · 4.125%
HK$22,472
baseline
▲ 0.50% · 4.625%
HK$23,839
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,944/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,525
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$640/mo
Today · 4.125%
HK$24,796
baseline
▲ 0.50% · 4.625%
HK$26,103
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,592/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$779/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,446
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$746/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,719
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$1,002/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,759
+HK$2,051/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,287
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$960/mo
Today · 4.125%
HK$37,194
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$1,960/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,388/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,839 · 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).