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$17,665
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$558/mo
Today · 4.125%
HK$18,772
baseline
▲ 0.50% · 4.625%
HK$19,915
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,544/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$534/mo
Today · 4.125%
HK$20,713
baseline
▲ 0.50% · 4.625%
HK$21,805
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,426/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,198
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$21,857
−HK$670/mo
Today · 4.125%
HK$22,527
baseline
▲ 0.50% · 4.625%
HK$23,898
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,054/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$641/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,166
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,730
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$781/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,880
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,512
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,250
−HK$749/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,527
+HK$1,528/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,005/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,373
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$962/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,404 · 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).