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$17,694
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$559/mo
Today · 4.125%
HK$18,803
baseline
▲ 0.50% · 4.625%
HK$19,947
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,606/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,684
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,212
−HK$536/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$21,841
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,232
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$671/mo
Today · 4.125%
HK$22,564
baseline
▲ 0.50% · 4.625%
HK$23,937
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,128/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,621
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,254
−HK$643/mo
Today · 4.125%
HK$24,897
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,794/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,542
−HK$783/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,558
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,297
−HK$750/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,578
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,094/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,839
−HK$1,007/mo
Today · 4.125%
HK$33,846
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$2,059/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,692/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,382
−HK$964/mo
Today · 4.125%
HK$37,346
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$1,968/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,692/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,787 · 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).