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$17,683
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$559/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,935
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,672
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$535/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$670/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,923
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$642/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,194
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,526
−HK$783/mo
Today · 4.125%
HK$26,309
baseline
▲ 0.50% · 4.625%
HK$27,910
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,618/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,280
−HK$749/mo
Today · 4.125%
HK$29,029
baseline
▲ 0.50% · 4.625%
HK$30,559
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,058/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,830
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$1,006/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,884
+HK$2,058/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,410
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,360
−HK$963/mo
Today · 4.125%
HK$37,323
baseline
▲ 0.50% · 4.625%
HK$39,291
+HK$1,968/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,646/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,647 · 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).