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$17,655
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,204
−HK$558/mo
Today · 4.125%
HK$18,762
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,524/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$534/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,793
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,186
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,845
−HK$669/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,884
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,569
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,201
−HK$641/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,152
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$781/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,497
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$748/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,510
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$1,005/mo
Today · 4.125%
HK$33,772
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,544/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$962/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,228
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,275 · 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).