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$17,644
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,193
−HK$557/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,891
+HK$1,141/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$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,155
−HK$534/mo
Today · 4.125%
HK$20,689
baseline
▲ 0.50% · 4.625%
HK$21,780
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,378/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,831
−HK$670/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$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,186
−HK$641/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,136
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,702
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$781/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,848
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$748/mo
Today · 4.125%
HK$28,965
baseline
▲ 0.50% · 4.625%
HK$30,492
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,930/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,759
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,747
−HK$1,004/mo
Today · 4.125%
HK$33,751
baseline
▲ 0.50% · 4.625%
HK$35,804
+HK$2,053/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,502/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,332
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,279
−HK$962/mo
Today · 4.125%
HK$37,241
baseline
▲ 0.50% · 4.625%
HK$39,204
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,482/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,132 · 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).