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$17,688
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$559/mo
Today · 4.125%
HK$18,798
baseline
▲ 0.50% · 4.625%
HK$19,942
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,596/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,678
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$535/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$21,835
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,226
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$671/mo
Today · 4.125%
HK$22,557
baseline
▲ 0.50% · 4.625%
HK$23,930
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,114/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,614
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$643/mo
Today · 4.125%
HK$24,890
baseline
▲ 0.50% · 4.625%
HK$26,202
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,780/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,764
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$783/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,550
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$750/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,569
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$1,006/mo
Today · 4.125%
HK$33,836
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$2,059/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,672/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,421
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,371
−HK$964/mo
Today · 4.125%
HK$37,335
baseline
▲ 0.50% · 4.625%
HK$39,302
+HK$1,967/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,670/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,717 · 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).