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$17,601
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,148
−HK$557/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,843
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$533/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,727
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,121
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,778
−HK$668/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,811
+HK$1,365/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,497
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,127
−HK$640/mo
Today · 4.125%
HK$24,767
baseline
▲ 0.50% · 4.625%
HK$26,072
+HK$1,305/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,534/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,408
−HK$779/mo
Today · 4.125%
HK$26,187
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,593/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,374/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,413
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$745/mo
Today · 4.125%
HK$28,894
baseline
▲ 0.50% · 4.625%
HK$30,417
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,788/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$1,002/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,717
+HK$2,048/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,246
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$959/mo
Today · 4.125%
HK$37,150
baseline
▲ 0.50% · 4.625%
HK$39,108
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,300/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,566 · 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).