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$17,681
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$559/mo
Today · 4.125%
HK$18,789
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,578/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$535/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,825
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$670/mo
Today · 4.125%
HK$22,547
baseline
▲ 0.50% · 4.625%
HK$23,919
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,094/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,603
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,236
−HK$643/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,190
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,753
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$782/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,537
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,276
−HK$749/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,555
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,825
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$1,006/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$2,058/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,405
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,354
−HK$964/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,613 · 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).