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$17,615
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,163
−HK$557/mo
Today · 4.125%
HK$18,720
baseline
▲ 0.50% · 4.625%
HK$19,859
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,440/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,597
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$533/mo
Today · 4.125%
HK$20,655
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,310/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,138
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,796
−HK$668/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$639/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,428
−HK$780/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,171
−HK$747/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,442
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$1,003/mo
Today · 4.125%
HK$33,696
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$2,050/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,392/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,274
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,220
−HK$960/mo
Today · 4.125%
HK$37,180
baseline
▲ 0.50% · 4.625%
HK$39,139
+HK$1,959/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,360/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,752 · 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).