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$17,616
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,164
−HK$557/mo
Today · 4.125%
HK$18,721
baseline
▲ 0.50% · 4.625%
HK$19,860
+HK$1,139/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$37,442/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,598
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$20,124
−HK$533/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,089/mo
Deposit HK$3.86M · loan HK$3.86M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,140
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$668/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$639/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,430
−HK$780/mo
Today · 4.125%
HK$26,210
baseline
▲ 0.50% · 4.625%
HK$27,804
+HK$1,594/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,420/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,173
−HK$747/mo
Today · 4.125%
HK$28,920
baseline
▲ 0.50% · 4.625%
HK$30,444
+HK$1,524/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,840/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,696
−HK$1,002/mo
Today · 4.125%
HK$33,698
baseline
▲ 0.50% · 4.625%
HK$35,749
+HK$2,051/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$67,396/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,277
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,223
−HK$960/mo
Today · 4.125%
HK$37,183
baseline
▲ 0.50% · 4.625%
HK$39,143
+HK$1,960/mo
Deposit HK$773K · loan HK$6.95M · min. income ≈ HK$74,366/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,770 · 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).