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$17,664
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$558/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,914
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,651
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$535/mo
Today · 4.125%
HK$20,713
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,426/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,197
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$670/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,897
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,214
−HK$642/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,730
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,499
−HK$782/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$748/mo
Today · 4.125%
HK$28,998
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,996/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,004/mo
Today · 4.125%
HK$33,789
baseline
▲ 0.50% · 4.625%
HK$35,845
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,578/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,372
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$962/mo
Today · 4.125%
HK$37,283
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,566/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,398 · 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).