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$17,631
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,179
−HK$558/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$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,614
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$534/mo
Today · 4.125%
HK$20,674
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,348/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,157
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,815
−HK$669/mo
Today · 4.125%
HK$22,484
baseline
▲ 0.50% · 4.625%
HK$23,852
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,968/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,537
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,168
−HK$641/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,116
+HK$1,307/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,683
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$780/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,827
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,196
−HK$748/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,469
+HK$1,525/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,736
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$1,003/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$2,052/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$960/mo
Today · 4.125%
HK$37,213
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,426/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$231,961 · 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).