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$17,602
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,150
−HK$556/mo
Today · 4.125%
HK$18,706
baseline
▲ 0.50% · 4.625%
HK$19,844
+HK$1,138/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,412/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,582
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$533/mo
Today · 4.125%
HK$20,640
baseline
▲ 0.50% · 4.625%
HK$21,728
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,280/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$668/mo
Today · 4.125%
HK$22,447
baseline
▲ 0.50% · 4.625%
HK$23,813
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,894/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,129
−HK$639/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,074
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,643
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$25,409
−HK$779/mo
Today · 4.125%
HK$26,188
baseline
▲ 0.50% · 4.625%
HK$27,782
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$52,376/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,415
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$746/mo
Today · 4.125%
HK$28,896
baseline
▲ 0.50% · 4.625%
HK$30,419
+HK$1,523/mo
Deposit HK$2.32M · loan HK$5.40M · min. income ≈ HK$57,792/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$1,001/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,719
+HK$2,049/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,248
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,193
−HK$959/mo
Today · 4.125%
HK$37,152
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$1,958/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,304/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,580 · 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).