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$17,647
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$557/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$534/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$669/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,873
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$641/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$781/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,852
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$747/mo
Today · 4.125%
HK$28,969
baseline
▲ 0.50% · 4.625%
HK$30,496
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,938/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$1,004/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$961/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,168 · 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).