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$17,625
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,174
−HK$557/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,870
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,608
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$533/mo
Today · 4.125%
HK$20,667
baseline
▲ 0.50% · 4.625%
HK$21,757
+HK$1,090/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,334/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,150
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,808
−HK$669/mo
Today · 4.125%
HK$22,477
baseline
▲ 0.50% · 4.625%
HK$23,844
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,954/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,530
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$640/mo
Today · 4.125%
HK$24,801
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,602/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$780/mo
Today · 4.125%
HK$26,223
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,446/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$747/mo
Today · 4.125%
HK$28,934
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,868/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,726
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,712
−HK$1,003/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,766
+HK$2,051/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,294
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,241
−HK$960/mo
Today · 4.125%
HK$37,201
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,402/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,886 · 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).