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$17,678
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,228
−HK$558/mo
Today · 4.125%
HK$18,786
baseline
▲ 0.50% · 4.625%
HK$19,930
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,572/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,666
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$535/mo
Today · 4.125%
HK$20,729
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,458/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$671/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,915
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$642/mo
Today · 4.125%
HK$24,875
baseline
▲ 0.50% · 4.625%
HK$26,186
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,750/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,749
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$782/mo
Today · 4.125%
HK$26,301
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,602/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,533
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$750/mo
Today · 4.125%
HK$29,021
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,529/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,042/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,810
−HK$1,006/mo
Today · 4.125%
HK$33,816
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,632/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,400
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$963/mo
Today · 4.125%
HK$37,312
baseline
▲ 0.50% · 4.625%
HK$39,279
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,624/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,578 · 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).