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$17,652
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$558/mo
Today · 4.125%
HK$18,759
baseline
▲ 0.50% · 4.625%
HK$19,901
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,518/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,638
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,165
−HK$534/mo
Today · 4.125%
HK$20,699
baseline
▲ 0.50% · 4.625%
HK$21,790
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,398/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,842
−HK$669/mo
Today · 4.125%
HK$22,511
baseline
▲ 0.50% · 4.625%
HK$23,881
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,022/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$641/mo
Today · 4.125%
HK$24,839
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,678/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,713
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$781/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$749/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,774
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$1,005/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,821
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,348
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$962/mo
Today · 4.125%
HK$37,258
baseline
▲ 0.50% · 4.625%
HK$39,222
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,516/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,241 · 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).