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$17,654
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$558/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$535/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,792
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,185
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,844
−HK$669/mo
Today · 4.125%
HK$22,513
baseline
▲ 0.50% · 4.625%
HK$23,883
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,026/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,568
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,200
−HK$641/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,150
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$781/mo
Today · 4.125%
HK$26,265
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,530/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,233
−HK$748/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,509
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,777
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,765
−HK$1,005/mo
Today · 4.125%
HK$33,770
baseline
▲ 0.50% · 4.625%
HK$35,824
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,540/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,352
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,300
−HK$962/mo
Today · 4.125%
HK$37,262
baseline
▲ 0.50% · 4.625%
HK$39,226
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,524/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,262 · 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).