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$17,657
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$558/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,906
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$535/mo
Today · 4.125%
HK$20,705
baseline
▲ 0.50% · 4.625%
HK$21,796
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,410/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,189
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,848
−HK$669/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$642/mo
Today · 4.125%
HK$24,846
baseline
▲ 0.50% · 4.625%
HK$26,155
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,692/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,489
−HK$781/mo
Today · 4.125%
HK$26,270
baseline
▲ 0.50% · 4.625%
HK$27,869
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,540/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,501
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,238
−HK$749/mo
Today · 4.125%
HK$28,987
baseline
▲ 0.50% · 4.625%
HK$30,514
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,974/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$1,005/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,831
+HK$2,055/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$962/mo
Today · 4.125%
HK$37,268
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$1,965/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,536/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,305 · 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).