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$17,640
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,189
−HK$557/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,887
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,624
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,151
−HK$534/mo
Today · 4.125%
HK$20,685
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,370/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,168
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,827
−HK$669/mo
Today · 4.125%
HK$22,496
baseline
▲ 0.50% · 4.625%
HK$23,864
+HK$1,368/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,992/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,549
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,181
−HK$641/mo
Today · 4.125%
HK$24,822
baseline
▲ 0.50% · 4.625%
HK$26,130
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,644/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$781/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$748/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,485
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,752
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$1,003/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,796
+HK$2,053/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,324
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$961/mo
Today · 4.125%
HK$37,232
baseline
▲ 0.50% · 4.625%
HK$39,195
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,464/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,081 · 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).