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$17,698
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$560/mo
Today · 4.125%
HK$18,808
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,616/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,689
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,217
−HK$535/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$21,846
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,237
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,898
−HK$671/mo
Today · 4.125%
HK$22,569
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,138/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,626
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$643/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,215
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$783/mo
Today · 4.125%
HK$26,331
baseline
▲ 0.50% · 4.625%
HK$27,933
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,662/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,564
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$750/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$1,007/mo
Today · 4.125%
HK$33,854
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$2,060/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,708/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,439
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$964/mo
Today · 4.125%
HK$37,354
baseline
▲ 0.50% · 4.625%
HK$39,323
+HK$1,969/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,708/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,839 · 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).