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$17,706
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$559/mo
Today · 4.125%
HK$18,816
baseline
▲ 0.50% · 4.625%
HK$19,961
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,632/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,226
−HK$536/mo
Today · 4.125%
HK$20,762
baseline
▲ 0.50% · 4.625%
HK$21,856
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,524/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$671/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,953
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,637
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$643/mo
Today · 4.125%
HK$24,914
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,828/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,788
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,559
−HK$784/mo
Today · 4.125%
HK$26,343
baseline
▲ 0.50% · 4.625%
HK$27,946
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,686/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,577
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,316
−HK$751/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,599
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$1,007/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$2,061/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$964/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,341
+HK$1,970/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,947 · 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).