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$17,653
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,202
−HK$558/mo
Today · 4.125%
HK$18,760
baseline
▲ 0.50% · 4.625%
HK$19,902
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,520/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$534/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,791
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,843
−HK$669/mo
Today · 4.125%
HK$22,512
baseline
▲ 0.50% · 4.625%
HK$23,882
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,024/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$641/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,149
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,483
−HK$781/mo
Today · 4.125%
HK$26,264
baseline
▲ 0.50% · 4.625%
HK$27,862
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,528/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,232
−HK$748/mo
Today · 4.125%
HK$28,980
baseline
▲ 0.50% · 4.625%
HK$30,508
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,960/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$1,004/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$2,055/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$962/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,224
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,254 · 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).