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$17,633
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$557/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,879
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,478/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$534/mo
Today · 4.125%
HK$20,677
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,354/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,818
−HK$669/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,172
−HK$640/mo
Today · 4.125%
HK$24,812
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,624/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$781/mo
Today · 4.125%
HK$26,235
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,470/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$747/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,740
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,727
−HK$1,003/mo
Today · 4.125%
HK$33,730
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,460/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,310
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$961/mo
Today · 4.125%
HK$37,218
baseline
▲ 0.50% · 4.625%
HK$39,180
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,436/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,991 · 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).