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$17,642
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,191
−HK$558/mo
Today · 4.125%
HK$18,749
baseline
▲ 0.50% · 4.625%
HK$19,889
+HK$1,140/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,498/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,627
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$534/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$669/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,369/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,552
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$641/mo
Today · 4.125%
HK$24,825
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,308/mo
Deposit HK$3.09M · loan HK$4.64M · min. income ≈ HK$49,650/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,699
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$781/mo
Today · 4.125%
HK$26,248
baseline
▲ 0.50% · 4.625%
HK$27,845
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,496/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,478
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$748/mo
Today · 4.125%
HK$28,962
baseline
▲ 0.50% · 4.625%
HK$30,489
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,924/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,756
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,744
−HK$1,003/mo
Today · 4.125%
HK$33,747
baseline
▲ 0.50% · 4.625%
HK$35,801
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,494/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,276
−HK$961/mo
Today · 4.125%
HK$37,237
baseline
▲ 0.50% · 4.625%
HK$39,200
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,474/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,109 · 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).