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$17,702
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,253
−HK$560/mo
Today · 4.125%
HK$18,813
baseline
▲ 0.50% · 4.625%
HK$19,957
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,626/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$536/mo
Today · 4.125%
HK$20,758
baseline
▲ 0.50% · 4.625%
HK$21,852
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,516/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,243
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$671/mo
Today · 4.125%
HK$22,575
baseline
▲ 0.50% · 4.625%
HK$23,949
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,150/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,633
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,266
−HK$643/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,222
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$784/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,571
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$750/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,864
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,856
−HK$1,007/mo
Today · 4.125%
HK$33,863
baseline
▲ 0.50% · 4.625%
HK$35,923
+HK$2,060/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,726/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,449
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,400
−HK$964/mo
Today · 4.125%
HK$37,364
baseline
▲ 0.50% · 4.625%
HK$39,334
+HK$1,970/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,728/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,901 · 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).