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$17,668
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$559/mo
Today · 4.125%
HK$18,776
baseline
▲ 0.50% · 4.625%
HK$19,918
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$534/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,809
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$670/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,902
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,219
−HK$642/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,171
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,735
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$782/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,600/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,518
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$748/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,802
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,791
−HK$1,005/mo
Today · 4.125%
HK$33,796
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$2,057/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,592/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,380
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$962/mo
Today · 4.125%
HK$37,291
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,582/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,447 · 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).