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$17,688
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$559/mo
Today · 4.125%
HK$18,797
baseline
▲ 0.50% · 4.625%
HK$19,941
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,594/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,205
−HK$536/mo
Today · 4.125%
HK$20,741
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,482/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,225
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,886
−HK$670/mo
Today · 4.125%
HK$22,556
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,112/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,613
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$643/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,201
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$783/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,917
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,548
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,287
−HK$750/mo
Today · 4.125%
HK$29,037
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,074/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,838
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$1,007/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,893
+HK$2,058/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,419
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,369
−HK$964/mo
Today · 4.125%
HK$37,333
baseline
▲ 0.50% · 4.625%
HK$39,301
+HK$1,968/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,666/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,708 · 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).