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$17,636
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,185
−HK$557/mo
Today · 4.125%
HK$18,742
baseline
▲ 0.50% · 4.625%
HK$19,883
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,484/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,146
−HK$534/mo
Today · 4.125%
HK$20,680
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,360/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,822
−HK$669/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,859
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,544
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$640/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$780/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$747/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,745
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,733
−HK$1,003/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,789
+HK$2,053/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,316
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,264
−HK$961/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,187
+HK$1,962/mo
Deposit HK$773K · loan HK$6.96M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,032 · 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).