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$17,667
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$558/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$535/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$670/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$642/mo
Today · 4.125%
HK$24,860
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,720/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,734
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$781/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,885
+HK$1,600/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,517
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$748/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,532
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,006/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$1,005/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,852
+HK$2,057/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,379
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$963/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,256
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,440 · 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).