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$17,662
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,211
−HK$558/mo
Today · 4.125%
HK$18,769
baseline
▲ 0.50% · 4.625%
HK$19,911
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,538/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,648
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$535/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,853
−HK$670/mo
Today · 4.125%
HK$22,523
baseline
▲ 0.50% · 4.625%
HK$23,893
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,046/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,578
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,210
−HK$642/mo
Today · 4.125%
HK$24,852
baseline
▲ 0.50% · 4.625%
HK$26,162
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,704/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$782/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$749/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,791
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$1,004/mo
Today · 4.125%
HK$33,784
baseline
▲ 0.50% · 4.625%
HK$35,840
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,568/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,367
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,315
−HK$963/mo
Today · 4.125%
HK$37,278
baseline
▲ 0.50% · 4.625%
HK$39,243
+HK$1,965/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,556/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,363 · 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).