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$17,645
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$558/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,892
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$534/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,781
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,174
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$669/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$641/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,137
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$781/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,481
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,218
−HK$748/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,760
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,748
−HK$1,004/mo
Today · 4.125%
HK$33,752
baseline
▲ 0.50% · 4.625%
HK$35,806
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,504/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$961/mo
Today · 4.125%
HK$37,242
baseline
▲ 0.50% · 4.625%
HK$39,205
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,484/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,141 · 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).