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$17,638
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,187
−HK$558/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,885
+HK$1,140/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$232,059 · 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$21,773
+HK$1,090/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$232,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,825
−HK$668/mo
Today · 4.125%
HK$22,493
baseline
▲ 0.50% · 4.625%
HK$23,862
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,986/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,179
−HK$640/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,128
+HK$1,309/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,694
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,462
−HK$780/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$748/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,526/mo
Deposit HK$2.32M · loan HK$5.41M · min. income ≈ HK$57,912/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$1,003/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,793
+HK$2,053/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$961/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$1,962/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,059 · 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).