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$17,608
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,155
−HK$557/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,850
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,588
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$533/mo
Today · 4.125%
HK$20,647
baseline
▲ 0.50% · 4.625%
HK$21,735
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,294/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,129
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,786
−HK$668/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,506
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$640/mo
Today · 4.125%
HK$24,776
baseline
▲ 0.50% · 4.625%
HK$26,082
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,552/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$780/mo
Today · 4.125%
HK$26,197
baseline
▲ 0.50% · 4.625%
HK$27,791
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,394/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,424
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$746/mo
Today · 4.125%
HK$28,905
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,810/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,694
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,680
−HK$1,001/mo
Today · 4.125%
HK$33,681
baseline
▲ 0.50% · 4.625%
HK$35,731
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,362/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,259
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,205
−HK$959/mo
Today · 4.125%
HK$37,164
baseline
▲ 0.50% · 4.625%
HK$39,123
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,328/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,654 · 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).