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$17,619
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,167
−HK$557/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,863
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,448/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,127
−HK$533/mo
Today · 4.125%
HK$20,660
baseline
▲ 0.50% · 4.625%
HK$21,749
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,320/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,800
−HK$669/mo
Today · 4.125%
HK$22,469
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,938/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,521
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,152
−HK$640/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,666
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,434
−HK$779/mo
Today · 4.125%
HK$26,213
baseline
▲ 0.50% · 4.625%
HK$27,808
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,426/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,441
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,177
−HK$747/mo
Today · 4.125%
HK$28,924
baseline
▲ 0.50% · 4.625%
HK$30,448
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,848/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,701
−HK$1,002/mo
Today · 4.125%
HK$33,703
baseline
▲ 0.50% · 4.625%
HK$35,754
+HK$2,051/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,406/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,282
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,228
−HK$960/mo
Today · 4.125%
HK$37,188
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,376/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,802 · 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).