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$17,660
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,209
−HK$558/mo
Today · 4.125%
HK$18,767
baseline
▲ 0.50% · 4.625%
HK$19,909
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,534/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,647
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,173
−HK$535/mo
Today · 4.125%
HK$20,708
baseline
▲ 0.50% · 4.625%
HK$21,800
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,416/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,851
−HK$670/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,891
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,208
−HK$642/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,159
+HK$1,309/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$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$781/mo
Today · 4.125%
HK$26,274
baseline
▲ 0.50% · 4.625%
HK$27,873
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,548/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$748/mo
Today · 4.125%
HK$28,991
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,982/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,788
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$1,004/mo
Today · 4.125%
HK$33,781
baseline
▲ 0.50% · 4.625%
HK$35,837
+HK$2,056/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,562/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,364
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,312
−HK$962/mo
Today · 4.125%
HK$37,274
baseline
▲ 0.50% · 4.625%
HK$39,239
+HK$1,965/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,548/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,342 · 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).