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$17,701
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$560/mo
Today · 4.125%
HK$18,811
baseline
▲ 0.50% · 4.625%
HK$19,955
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,622/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,692
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,220
−HK$536/mo
Today · 4.125%
HK$20,756
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,512/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$672/mo
Today · 4.125%
HK$22,573
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,373/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,146/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,630
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$643/mo
Today · 4.125%
HK$24,907
baseline
▲ 0.50% · 4.625%
HK$26,220
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,814/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$783/mo
Today · 4.125%
HK$26,335
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,670/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,569
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$750/mo
Today · 4.125%
HK$29,058
baseline
▲ 0.50% · 4.625%
HK$30,590
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,116/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,861
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,852
−HK$1,007/mo
Today · 4.125%
HK$33,859
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$2,060/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,718/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,445
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$964/mo
Today · 4.125%
HK$37,360
baseline
▲ 0.50% · 4.625%
HK$39,330
+HK$1,970/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,720/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,878 · 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).