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$17,651
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,200
−HK$558/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,899
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,516/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,163
−HK$534/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,788
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,181
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,840
−HK$669/mo
Today · 4.125%
HK$22,509
baseline
▲ 0.50% · 4.625%
HK$23,879
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,018/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$642/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,146
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,711
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$781/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,597/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,491
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$748/mo
Today · 4.125%
HK$28,976
baseline
▲ 0.50% · 4.625%
HK$30,503
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,952/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$1,005/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,818
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,345
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,293
−HK$962/mo
Today · 4.125%
HK$37,255
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,510/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,220 · 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).