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$17,628
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,177
−HK$557/mo
Today · 4.125%
HK$18,734
baseline
▲ 0.50% · 4.625%
HK$19,874
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,468/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,611
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,137
−HK$534/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,089/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,154
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,812
−HK$669/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,848
+HK$1,367/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,534
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,165
−HK$640/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,113
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$780/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$747/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,465
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,731
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,718
−HK$1,003/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,247
−HK$961/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,169
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,926 · 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).