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$17,610
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$557/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,853
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$533/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,132
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$668/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,509
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$640/mo
Today · 4.125%
HK$24,779
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,558/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,654
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$779/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,794
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,427
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$747/mo
Today · 4.125%
HK$28,909
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,818/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,697
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,683
−HK$1,002/mo
Today · 4.125%
HK$33,685
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,370/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,263
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,209
−HK$959/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,127
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,336/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,680 · 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).