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$17,618
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,166
−HK$557/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,862
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,600
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$533/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,748
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$668/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,834
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$640/mo
Today · 4.125%
HK$24,791
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,582/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$780/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,176
−HK$746/mo
Today · 4.125%
HK$28,922
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,844/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,712
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,699
−HK$1,002/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,752
+HK$2,051/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,280
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$960/mo
Today · 4.125%
HK$37,186
baseline
▲ 0.50% · 4.625%
HK$39,146
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,372/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,791 · 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).