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$17,614
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,162
−HK$556/mo
Today · 4.125%
HK$18,718
baseline
▲ 0.50% · 4.625%
HK$19,857
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,436/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,595
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,121
−HK$533/mo
Today · 4.125%
HK$20,654
baseline
▲ 0.50% · 4.625%
HK$21,742
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,308/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,794
−HK$668/mo
Today · 4.125%
HK$22,462
baseline
▲ 0.50% · 4.625%
HK$23,829
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,924/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,514
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,145
−HK$640/mo
Today · 4.125%
HK$24,785
baseline
▲ 0.50% · 4.625%
HK$26,091
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,570/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$780/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$746/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,705
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$1,002/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$960/mo
Today · 4.125%
HK$37,177
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,354/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,734 · 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).