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$17,670
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$558/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$535/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,812
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,204
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$670/mo
Today · 4.125%
HK$22,534
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,068/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$642/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$782/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,521
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$749/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,537
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,796
−HK$1,005/mo
Today · 4.125%
HK$33,801
baseline
▲ 0.50% · 4.625%
HK$35,858
+HK$2,057/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,602/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,384
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,333
−HK$963/mo
Today · 4.125%
HK$37,296
baseline
▲ 0.50% · 4.625%
HK$39,262
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,592/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,479 · 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).