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$17,646
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$557/mo
Today · 4.125%
HK$18,752
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,504/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,631
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$534/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,175
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,834
−HK$669/mo
Today · 4.125%
HK$22,503
baseline
▲ 0.50% · 4.625%
HK$23,872
+HK$1,369/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,006/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,557
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$24,189
−HK$641/mo
Today · 4.125%
HK$24,830
baseline
▲ 0.50% · 4.625%
HK$26,138
+HK$1,308/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,660/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,473
−HK$780/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,851
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,483
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$748/mo
Today · 4.125%
HK$28,968
baseline
▲ 0.50% · 4.625%
HK$30,495
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,936/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$1,004/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$2,054/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,335
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$961/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$1,964/mo
Deposit HK$774K · loan HK$6.96M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,156 · 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).