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$17,676
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$558/mo
Today · 4.125%
HK$18,784
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,568/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$535/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,819
+HK$1,092/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,211
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$670/mo
Today · 4.125%
HK$22,541
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,082/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,597
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$642/mo
Today · 4.125%
HK$24,872
baseline
▲ 0.50% · 4.625%
HK$26,183
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,744/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,746
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,516
−HK$782/mo
Today · 4.125%
HK$26,298
baseline
▲ 0.50% · 4.625%
HK$27,898
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,596/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,530
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$749/mo
Today · 4.125%
HK$29,017
baseline
▲ 0.50% · 4.625%
HK$30,547
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,034/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,816
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,806
−HK$1,006/mo
Today · 4.125%
HK$33,812
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,624/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,395
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,345
−HK$963/mo
Today · 4.125%
HK$37,308
baseline
▲ 0.50% · 4.625%
HK$39,274
+HK$1,966/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,616/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,550 · 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).