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$17,675
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,224
−HK$559/mo
Today · 4.125%
HK$18,783
baseline
▲ 0.50% · 4.625%
HK$19,926
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,566/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,663
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,190
−HK$535/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,818
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,209
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,869
−HK$670/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,911
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,228
−HK$642/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,744
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,514
−HK$782/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,896
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,528
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,266
−HK$749/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$1,005/mo
Today · 4.125%
HK$33,809
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,618/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,393
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,342
−HK$963/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,272
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,534 · 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).