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$17,677
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,227
−HK$559/mo
Today · 4.125%
HK$18,786
baseline
▲ 0.50% · 4.625%
HK$19,929
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,572/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,666
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$535/mo
Today · 4.125%
HK$20,728
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,456/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$670/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,599
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,232
−HK$642/mo
Today · 4.125%
HK$24,874
baseline
▲ 0.50% · 4.625%
HK$26,185
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,748/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$782/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,532
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$749/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,819
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,809
−HK$1,006/mo
Today · 4.125%
HK$33,815
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,630/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,399
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,348
−HK$963/mo
Today · 4.125%
HK$37,311
baseline
▲ 0.50% · 4.625%
HK$39,278
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,622/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,572 · 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).