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$17,629
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,178
−HK$557/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,875
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,612
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,138
−HK$534/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,155
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$669/mo
Today · 4.125%
HK$22,482
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,964/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,166
−HK$640/mo
Today · 4.125%
HK$24,806
baseline
▲ 0.50% · 4.625%
HK$26,114
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,612/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$780/mo
Today · 4.125%
HK$26,229
baseline
▲ 0.50% · 4.625%
HK$27,825
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,458/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,194
−HK$747/mo
Today · 4.125%
HK$28,941
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,882/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$1,003/mo
Today · 4.125%
HK$33,723
baseline
▲ 0.50% · 4.625%
HK$35,774
+HK$2,051/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,446/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,302
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,249
−HK$960/mo
Today · 4.125%
HK$37,209
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,418/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,938 · 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).