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$17,627
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,175
−HK$557/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,872
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,609
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,135
−HK$534/mo
Today · 4.125%
HK$20,669
baseline
▲ 0.50% · 4.625%
HK$21,758
+HK$1,089/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,338/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,810
−HK$668/mo
Today · 4.125%
HK$22,478
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,956/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$641/mo
Today · 4.125%
HK$24,803
baseline
▲ 0.50% · 4.625%
HK$26,110
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,606/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,677
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$780/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,820
+HK$1,595/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,453
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$747/mo
Today · 4.125%
HK$28,936
baseline
▲ 0.50% · 4.625%
HK$30,462
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,872/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,728
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,715
−HK$1,002/mo
Today · 4.125%
HK$33,717
baseline
▲ 0.50% · 4.625%
HK$35,769
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,434/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,297
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$960/mo
Today · 4.125%
HK$37,204
baseline
▲ 0.50% · 4.625%
HK$39,165
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,408/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$231,903 · 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).