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$17,697
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$559/mo
Today · 4.125%
HK$18,806
baseline
▲ 0.50% · 4.625%
HK$19,951
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,612/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$536/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$21,845
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,236
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,897
−HK$671/mo
Today · 4.125%
HK$22,568
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,136/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,625
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$643/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,313/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$783/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$750/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,854
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,845
−HK$1,006/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,911
+HK$2,060/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,437
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,388
−HK$964/mo
Today · 4.125%
HK$37,352
baseline
▲ 0.50% · 4.625%
HK$39,321
+HK$1,969/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,704/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,825 · 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).