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$17,705
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$559/mo
Today · 4.125%
HK$18,815
baseline
▲ 0.50% · 4.625%
HK$19,960
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,630/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,697
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$536/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$21,855
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,246
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$672/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,952
+HK$1,373/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$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,636
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$643/mo
Today · 4.125%
HK$24,913
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,826/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,558
−HK$784/mo
Today · 4.125%
HK$26,342
baseline
▲ 0.50% · 4.625%
HK$27,944
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,684/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,576
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,315
−HK$750/mo
Today · 4.125%
HK$29,065
baseline
▲ 0.50% · 4.625%
HK$30,598
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,130/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,869
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,861
−HK$1,007/mo
Today · 4.125%
HK$33,868
baseline
▲ 0.50% · 4.625%
HK$35,929
+HK$2,061/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,736/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,454
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$965/mo
Today · 4.125%
HK$37,370
baseline
▲ 0.50% · 4.625%
HK$39,340
+HK$1,970/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,740/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,938 · 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).