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$17,635
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,184
−HK$557/mo
Today · 4.125%
HK$18,741
baseline
▲ 0.50% · 4.625%
HK$19,881
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,482/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,619
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$534/mo
Today · 4.125%
HK$20,679
baseline
▲ 0.50% · 4.625%
HK$21,769
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,358/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,162
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$668/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,858
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,978/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,174
−HK$641/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,123
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$781/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$748/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,743
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,731
−HK$1,003/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,314
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,261
−HK$961/mo
Today · 4.125%
HK$37,222
baseline
▲ 0.50% · 4.625%
HK$39,184
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,444/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,017 · 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).