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$17,661
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$558/mo
Today · 4.125%
HK$18,768
baseline
▲ 0.50% · 4.625%
HK$19,910
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,536/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,647
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,174
−HK$535/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,800
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$670/mo
Today · 4.125%
HK$22,522
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,044/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,577
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$641/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,494
−HK$781/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,506
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$748/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,520
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,778
−HK$1,004/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$2,056/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,365
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$963/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,240
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,350 · 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).