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$17,609
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$18,157
−HK$556/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,852
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,590
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$20,115
−HK$533/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,737
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,131
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,788
−HK$668/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$44,912/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,508
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$639/mo
Today · 4.125%
HK$24,778
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,306/mo
Deposit HK$3.09M · loan HK$4.63M · min. income ≈ HK$49,556/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,653
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$779/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,793
+HK$1,594/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$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$746/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,697
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,683
−HK$1,001/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$2,050/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$959/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$1,959/mo
Deposit HK$772K · loan HK$6.95M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,674 · 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).