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$17,681
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,231
−HK$559/mo
Today · 4.125%
HK$18,790
baseline
▲ 0.50% · 4.625%
HK$19,933
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,580/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,670
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$536/mo
Today · 4.125%
HK$20,733
baseline
▲ 0.50% · 4.625%
HK$21,825
+HK$1,092/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,466/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,217
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,877
−HK$671/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,920
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$642/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,753
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,523
−HK$783/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,906
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,276
−HK$750/mo
Today · 4.125%
HK$29,026
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,052/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,816
−HK$1,006/mo
Today · 4.125%
HK$33,822
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,644/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,406
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$964/mo
Today · 4.125%
HK$37,319
baseline
▲ 0.50% · 4.625%
HK$39,286
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,638/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,619 · 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).