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$17,694
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$559/mo
Today · 4.125%
HK$18,804
baseline
▲ 0.50% · 4.625%
HK$19,948
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,608/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$535/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$21,842
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,233
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$671/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,622
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,255
−HK$643/mo
Today · 4.125%
HK$24,898
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,796/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$782/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$749/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,094/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$1,007/mo
Today · 4.125%
HK$33,847
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$2,059/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,694/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,432
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$964/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,315
+HK$1,968/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,794 · 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).