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$17,656
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$558/mo
Today · 4.125%
HK$18,763
baseline
▲ 0.50% · 4.625%
HK$19,904
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,526/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,642
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$535/mo
Today · 4.125%
HK$20,703
baseline
▲ 0.50% · 4.625%
HK$21,794
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,406/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,187
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,846
−HK$669/mo
Today · 4.125%
HK$22,515
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,030/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$641/mo
Today · 4.125%
HK$24,843
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,686/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,718
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,487
−HK$781/mo
Today · 4.125%
HK$26,268
baseline
▲ 0.50% · 4.625%
HK$27,866
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,536/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,236
−HK$748/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,512
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,780
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,769
−HK$1,004/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$2,055/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,355
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$962/mo
Today · 4.125%
HK$37,265
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,530/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,284 · 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).