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$17,632
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,180
−HK$557/mo
Today · 4.125%
HK$18,737
baseline
▲ 0.50% · 4.625%
HK$19,877
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,474/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,615
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,141
−HK$534/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,816
−HK$669/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,853
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,538
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,169
−HK$641/mo
Today · 4.125%
HK$24,810
baseline
▲ 0.50% · 4.625%
HK$26,117
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,620/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$780/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,461
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$747/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,737
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$1,003/mo
Today · 4.125%
HK$33,727
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,454/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,307
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,254
−HK$961/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,176
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,970 · 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).