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$17,657
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$558/mo
Today · 4.125%
HK$18,764
baseline
▲ 0.50% · 4.625%
HK$19,905
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,528/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,169
−HK$535/mo
Today · 4.125%
HK$20,704
baseline
▲ 0.50% · 4.625%
HK$21,795
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,408/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,188
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,847
−HK$669/mo
Today · 4.125%
HK$22,516
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,032/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,571
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$642/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,154
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,719
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$781/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,868
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,500
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$748/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,770
−HK$1,005/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$2,055/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,305
−HK$962/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,297 · 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).