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$17,682
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,232
−HK$559/mo
Today · 4.125%
HK$18,791
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,582/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,671
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$535/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,827
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$670/mo
Today · 4.125%
HK$22,549
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,098/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,605
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$642/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$782/mo
Today · 4.125%
HK$26,307
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,614/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$750/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,558
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,818
−HK$1,006/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$2,058/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,408
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,358
−HK$963/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,288
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,634 · 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).