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$17,666
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,215
−HK$558/mo
Today · 4.125%
HK$18,773
baseline
▲ 0.50% · 4.625%
HK$19,916
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,546/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$535/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,858
−HK$670/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$642/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$782/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,882
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$748/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,000/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,798
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,787
−HK$1,005/mo
Today · 4.125%
HK$33,792
baseline
▲ 0.50% · 4.625%
HK$35,848
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,584/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,375
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,324
−HK$962/mo
Today · 4.125%
HK$37,286
baseline
▲ 0.50% · 4.625%
HK$39,252
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,572/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,417 · 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).