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$17,648
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,197
−HK$558/mo
Today · 4.125%
HK$18,755
baseline
▲ 0.50% · 4.625%
HK$19,896
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,510/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,633
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$534/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,785
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,178
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$670/mo
Today · 4.125%
HK$22,506
baseline
▲ 0.50% · 4.625%
HK$23,875
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,012/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,192
−HK$641/mo
Today · 4.125%
HK$24,833
baseline
▲ 0.50% · 4.625%
HK$26,142
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,666/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,476
−HK$781/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,486
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$747/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,499
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$1,004/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,340
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$961/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$1,963/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,184 · 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).