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$17,663
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,212
−HK$558/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,913
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$534/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,803
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,195
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,855
−HK$670/mo
Today · 4.125%
HK$22,525
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,050/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$642/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,728
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$782/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,510
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$749/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,524
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$1,005/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,318
−HK$962/mo
Today · 4.125%
HK$37,280
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,560/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,380 · 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).