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$17,647
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,196
−HK$558/mo
Today · 4.125%
HK$18,754
baseline
▲ 0.50% · 4.625%
HK$19,895
+HK$1,141/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,508/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,159
−HK$534/mo
Today · 4.125%
HK$20,693
baseline
▲ 0.50% · 4.625%
HK$21,784
+HK$1,091/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,386/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$21,835
−HK$669/mo
Today · 4.125%
HK$22,504
baseline
▲ 0.50% · 4.625%
HK$23,874
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$45,008/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,559
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$24,190
−HK$641/mo
Today · 4.125%
HK$24,831
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,309/mo
Deposit HK$3.10M · loan HK$4.64M · min. income ≈ HK$49,662/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$781/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,853
+HK$1,598/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$748/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,527/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,753
−HK$1,004/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$2,054/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,338
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$961/mo
Today · 4.125%
HK$37,247
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$1,963/mo
Deposit HK$774K · loan HK$6.97M · min. income ≈ HK$74,494/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,173 · 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).