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$17,620
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,168
−HK$557/mo
Today · 4.125%
HK$18,725
baseline
▲ 0.50% · 4.625%
HK$19,865
+HK$1,140/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,450/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,602
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,128
−HK$534/mo
Today · 4.125%
HK$20,662
baseline
▲ 0.50% · 4.625%
HK$21,751
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,324/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,144
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,802
−HK$668/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,838
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,154
−HK$640/mo
Today · 4.125%
HK$24,794
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,588/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,669
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,436
−HK$779/mo
Today · 4.125%
HK$26,215
baseline
▲ 0.50% · 4.625%
HK$27,811
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,430/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,443
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,179
−HK$747/mo
Today · 4.125%
HK$28,926
baseline
▲ 0.50% · 4.625%
HK$30,451
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,852/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$1,003/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,756
+HK$2,050/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,284
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$960/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,151
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,821 · 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).