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$17,645
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,194
−HK$558/mo
Today · 4.125%
HK$18,752
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,504/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$534/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,781
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,174
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,833
−HK$669/mo
Today · 4.125%
HK$22,502
baseline
▲ 0.50% · 4.625%
HK$23,871
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,004/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,556
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,188
−HK$641/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,137
+HK$1,308/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$781/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$748/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$1,004/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,281
−HK$962/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,146 · 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).