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$17,646
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$558/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,894
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,631
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,158
−HK$534/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,090/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,834
−HK$669/mo
Today · 4.125%
HK$22,503
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,006/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,557
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$641/mo
Today · 4.125%
HK$24,830
baseline
▲ 0.50% · 4.625%
HK$26,139
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,660/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,473
−HK$781/mo
Today · 4.125%
HK$26,254
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,508/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,483
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,221
−HK$747/mo
Today · 4.125%
HK$28,968
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,936/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,751
−HK$1,004/mo
Today · 4.125%
HK$33,755
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,510/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,336
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$961/mo
Today · 4.125%
HK$37,245
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$1,963/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,490/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,159 · 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).