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$17,611
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,159
−HK$557/mo
Today · 4.125%
HK$18,716
baseline
▲ 0.50% · 4.625%
HK$19,854
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,432/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,592
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,118
−HK$533/mo
Today · 4.125%
HK$20,651
baseline
▲ 0.50% · 4.625%
HK$21,739
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,302/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,791
−HK$668/mo
Today · 4.125%
HK$22,459
baseline
▲ 0.50% · 4.625%
HK$23,825
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,918/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,511
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$640/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,087
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,656
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$779/mo
Today · 4.125%
HK$26,202
baseline
▲ 0.50% · 4.625%
HK$27,796
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,404/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,429
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$746/mo
Today · 4.125%
HK$28,911
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,822/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$1,002/mo
Today · 4.125%
HK$33,688
baseline
▲ 0.50% · 4.625%
HK$35,738
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,376/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$959/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,131
+HK$1,960/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,700 · 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).