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$17,676
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$559/mo
Today · 4.125%
HK$18,785
baseline
▲ 0.50% · 4.625%
HK$19,928
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,570/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$535/mo
Today · 4.125%
HK$20,727
baseline
▲ 0.50% · 4.625%
HK$21,820
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,454/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,212
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,871
−HK$671/mo
Today · 4.125%
HK$22,542
baseline
▲ 0.50% · 4.625%
HK$23,913
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,084/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,598
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$642/mo
Today · 4.125%
HK$24,873
baseline
▲ 0.50% · 4.625%
HK$26,184
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,746/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,747
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$782/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,899
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,531
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,269
−HK$749/mo
Today · 4.125%
HK$29,018
baseline
▲ 0.50% · 4.625%
HK$30,548
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,036/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,807
−HK$1,006/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,870
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,397
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,346
−HK$963/mo
Today · 4.125%
HK$37,309
baseline
▲ 0.50% · 4.625%
HK$39,276
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,618/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,558 · 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).