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$17,691
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$559/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,681
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,209
−HK$535/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$21,838
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$671/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,617
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$643/mo
Today · 4.125%
HK$24,893
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,786/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,538
−HK$782/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,553
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,292
−HK$750/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$1,006/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$2,060/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,426
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,376
−HK$964/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,308
+HK$1,968/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,749 · 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).