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$17,639
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,188
−HK$557/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,886
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$534/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,774
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,167
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$669/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,863
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,548
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,179
−HK$641/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,128
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,695
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$780/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,209
−HK$748/mo
Today · 4.125%
HK$28,957
baseline
▲ 0.50% · 4.625%
HK$30,483
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,914/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,750
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$1,003/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,794
+HK$2,053/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,322
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,269
−HK$961/mo
Today · 4.125%
HK$37,230
baseline
▲ 0.50% · 4.625%
HK$39,193
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,460/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,066 · 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).