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$17,672
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$558/mo
Today · 4.125%
HK$18,780
baseline
▲ 0.50% · 4.625%
HK$19,923
+HK$1,143/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,560/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$535/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,814
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$670/mo
Today · 4.125%
HK$22,536
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,072/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$642/mo
Today · 4.125%
HK$24,866
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,732/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,510
−HK$782/mo
Today · 4.125%
HK$26,292
baseline
▲ 0.50% · 4.625%
HK$27,892
+HK$1,600/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,584/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$749/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,540
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,809
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,799
−HK$1,005/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,861
+HK$2,057/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,337
−HK$963/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,266
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,499 · 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).