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$17,650
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$558/mo
Today · 4.125%
HK$18,757
baseline
▲ 0.50% · 4.625%
HK$19,898
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,514/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,162
−HK$535/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,839
−HK$670/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$641/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,145
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,710
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$781/mo
Today · 4.125%
HK$26,260
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,520/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$748/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,770
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$1,004/mo
Today · 4.125%
HK$33,763
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,526/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,344
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,292
−HK$962/mo
Today · 4.125%
HK$37,254
baseline
▲ 0.50% · 4.625%
HK$39,218
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,508/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,215 · 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).