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$17,643
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,192
−HK$558/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,890
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,500/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,154
−HK$534/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,779
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,172
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,830
−HK$670/mo
Today · 4.125%
HK$22,500
baseline
▲ 0.50% · 4.625%
HK$23,869
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$45,000/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,553
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,185
−HK$641/mo
Today · 4.125%
HK$24,826
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,309/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,652/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,700
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$780/mo
Today · 4.125%
HK$26,249
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,498/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$748/mo
Today · 4.125%
HK$28,964
baseline
▲ 0.50% · 4.625%
HK$30,490
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,928/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$1,003/mo
Today · 4.125%
HK$33,749
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,498/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,330
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,278
−HK$961/mo
Today · 4.125%
HK$37,239
baseline
▲ 0.50% · 4.625%
HK$39,202
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,478/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,122 · 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).