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$17,671
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$559/mo
Today · 4.125%
HK$18,779
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$1,142/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$37,558/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$535/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,813
+HK$1,092/mo
Deposit HK$3.87M · loan HK$3.87M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,205
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$671/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,906
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$642/mo
Today · 4.125%
HK$24,865
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,310/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,730/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$782/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,600/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,260
−HK$749/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,529/mo
Deposit HK$2.32M · loan HK$5.42M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,807
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$1,005/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$2,057/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,334
−HK$963/mo
Today · 4.125%
HK$37,297
baseline
▲ 0.50% · 4.625%
HK$39,263
+HK$1,966/mo
Deposit HK$775K · loan HK$6.97M · min. income ≈ HK$74,594/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,483 · 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).