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$17,684
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,235
−HK$558/mo
Today · 4.125%
HK$18,793
baseline
▲ 0.50% · 4.625%
HK$19,937
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,586/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,201
−HK$536/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,881
−HK$671/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,609
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$642/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,528
−HK$783/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$749/mo
Today · 4.125%
HK$29,031
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,062/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$1,006/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$2,059/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$963/mo
Today · 4.125%
HK$37,326
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$1,968/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,652/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,665 · 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).