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$17,613
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,161
−HK$556/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,856
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,594
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$533/mo
Today · 4.125%
HK$20,653
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,088/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,306/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,793
−HK$668/mo
Today · 4.125%
HK$22,461
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,366/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,922/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,513
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$640/mo
Today · 4.125%
HK$24,783
baseline
▲ 0.50% · 4.625%
HK$26,089
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,566/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,658
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,425
−HK$779/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$747/mo
Today · 4.125%
HK$28,914
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,828/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$1,002/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$960/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,721 · 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).