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$18,183
−HK$558/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$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$533/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,768
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,162
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,820
−HK$669/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,857
+HK$1,368/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$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,173
−HK$641/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,122
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$781/mo
Today · 4.125%
HK$26,237
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,474/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$748/mo
Today · 4.125%
HK$28,950
baseline
▲ 0.50% · 4.625%
HK$30,476
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,900/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,730
−HK$1,003/mo
Today · 4.125%
HK$33,733
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,466/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$961/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,183
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,010 · 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).