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$17,621
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$557/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,866
+HK$1,140/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,129
−HK$534/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$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,803
−HK$669/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$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,524
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$640/mo
Today · 4.125%
HK$24,795
baseline
▲ 0.50% · 4.625%
HK$26,102
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,590/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,437
−HK$780/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,812
+HK$1,595/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$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,181
−HK$747/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,452
+HK$1,524/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$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,718
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$1,002/mo
Today · 4.125%
HK$33,707
baseline
▲ 0.50% · 4.625%
HK$35,758
+HK$2,051/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,414/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,286
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,233
−HK$960/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,833 · 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).