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$17,617
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,165
−HK$557/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,861
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,599
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$533/mo
Today · 4.125%
HK$20,658
baseline
▲ 0.50% · 4.625%
HK$21,747
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,316/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$668/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,834
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,519
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,150
−HK$640/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,664
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$779/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$746/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,711
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$1,002/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,751
+HK$2,051/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,279
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$960/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,145
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,783 · 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).