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$17,634
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$18,182
−HK$557/mo
Today · 4.125%
HK$18,739
baseline
▲ 0.50% · 4.625%
HK$19,880
+HK$1,141/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$231,995 · 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$231,995 · 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$231,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,271/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$231,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$780/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$231,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$747/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,740
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$1,003/mo
Today · 4.125%
HK$33,731
baseline
▲ 0.50% · 4.625%
HK$35,783
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,462/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,311
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,258
−HK$961/mo
Today · 4.125%
HK$37,219
baseline
▲ 0.50% · 4.625%
HK$39,180
+HK$1,961/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,438/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,995 · 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).