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$17,667
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,216
−HK$559/mo
Today · 4.125%
HK$18,775
baseline
▲ 0.50% · 4.625%
HK$19,917
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,550/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,181
−HK$535/mo
Today · 4.125%
HK$20,716
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,432/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,200
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$670/mo
Today · 4.125%
HK$22,530
baseline
▲ 0.50% · 4.625%
HK$23,900
+HK$1,370/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,060/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,585
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,217
−HK$642/mo
Today · 4.125%
HK$24,859
baseline
▲ 0.50% · 4.625%
HK$26,169
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,718/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$781/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,884
+HK$1,600/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$748/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,800
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,789
−HK$1,005/mo
Today · 4.125%
HK$33,794
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$2,057/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,588/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,377
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$963/mo
Today · 4.125%
HK$37,289
baseline
▲ 0.50% · 4.625%
HK$39,254
+HK$1,965/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,578/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,431 · 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).