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$17,623
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,171
−HK$557/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,868
+HK$1,140/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$534/mo
Today · 4.125%
HK$20,665
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,330/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,147
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,805
−HK$669/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,841
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,526
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,157
−HK$640/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,105
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,672
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$779/mo
Today · 4.125%
HK$26,219
baseline
▲ 0.50% · 4.625%
HK$27,815
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,438/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$746/mo
Today · 4.125%
HK$28,930
baseline
▲ 0.50% · 4.625%
HK$30,455
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,860/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,721
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$1,002/mo
Today · 4.125%
HK$33,710
baseline
▲ 0.50% · 4.625%
HK$35,762
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,420/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,290
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,236
−HK$960/mo
Today · 4.125%
HK$37,196
baseline
▲ 0.50% · 4.625%
HK$39,157
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,392/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,855 · 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).