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$18,201
−HK$557/mo
Today · 4.125%
HK$18,758
baseline
▲ 0.50% · 4.625%
HK$19,900
+HK$1,142/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$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,637
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$534/mo
Today · 4.125%
HK$20,698
baseline
▲ 0.50% · 4.625%
HK$21,789
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,396/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,182
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,841
−HK$669/mo
Today · 4.125%
HK$22,510
baseline
▲ 0.50% · 4.625%
HK$23,880
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,020/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,564
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,196
−HK$642/mo
Today · 4.125%
HK$24,838
baseline
▲ 0.50% · 4.625%
HK$26,147
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,676/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$781/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,860
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$748/mo
Today · 4.125%
HK$28,977
baseline
▲ 0.50% · 4.625%
HK$30,505
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,954/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,773
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$1,004/mo
Today · 4.125%
HK$33,765
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$2,055/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,530/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,347
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,295
−HK$961/mo
Today · 4.125%
HK$37,256
baseline
▲ 0.50% · 4.625%
HK$39,220
+HK$1,964/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,512/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,230 · 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).