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$17,690
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$559/mo
Today · 4.125%
HK$18,800
baseline
▲ 0.50% · 4.625%
HK$19,944
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,600/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,680
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$536/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$21,837
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,228
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,889
−HK$671/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,932
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,616
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$642/mo
Today · 4.125%
HK$24,892
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,784/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,766
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$783/mo
Today · 4.125%
HK$26,320
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,640/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,552
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$750/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,833
−HK$1,006/mo
Today · 4.125%
HK$33,839
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$2,059/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,678/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,425
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$963/mo
Today · 4.125%
HK$37,338
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$1,969/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,676/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,742 · 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).