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$17,683
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$559/mo
Today · 4.125%
HK$18,792
baseline
▲ 0.50% · 4.625%
HK$19,935
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,584/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,672
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$536/mo
Today · 4.125%
HK$20,735
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,470/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,219
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,879
−HK$671/mo
Today · 4.125%
HK$22,550
baseline
▲ 0.50% · 4.625%
HK$23,922
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,100/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,606
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$643/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,526
−HK$782/mo
Today · 4.125%
HK$26,308
baseline
▲ 0.50% · 4.625%
HK$27,909
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,616/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,541
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$749/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,559
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,829
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,819
−HK$1,006/mo
Today · 4.125%
HK$33,825
baseline
▲ 0.50% · 4.625%
HK$35,883
+HK$2,058/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,650/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$963/mo
Today · 4.125%
HK$37,322
baseline
▲ 0.50% · 4.625%
HK$39,290
+HK$1,968/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,644/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,641 · 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).