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$17,669
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,219
−HK$559/mo
Today · 4.125%
HK$18,778
baseline
▲ 0.50% · 4.625%
HK$19,920
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,556/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$535/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$670/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,904
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,589
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$642/mo
Today · 4.125%
HK$24,863
baseline
▲ 0.50% · 4.625%
HK$26,174
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,726/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$782/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,599/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$749/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$1,006/mo
Today · 4.125%
HK$33,800
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$2,056/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,600/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,383
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,332
−HK$962/mo
Today · 4.125%
HK$37,294
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,588/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,468 · 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).