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$17,636
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$557/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,882
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$534/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$669/mo
Today · 4.125%
HK$22,490
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,980/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$641/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$781/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,835
+HK$1,596/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$748/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,478
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$1,003/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,316
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,263
−HK$961/mo
Today · 4.125%
HK$37,224
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,448/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,027 · 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).