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$17,679
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$18,228
−HK$559/mo
Today · 4.125%
HK$18,787
baseline
▲ 0.50% · 4.625%
HK$19,930
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,574/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,667
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$535/mo
Today · 4.125%
HK$20,730
baseline
▲ 0.50% · 4.625%
HK$21,822
+HK$1,092/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,460/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,214
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$671/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,601
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$642/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$782/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,902
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,534
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,273
−HK$749/mo
Today · 4.125%
HK$29,022
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,529/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,044/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,821
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,811
−HK$1,006/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,875
+HK$2,058/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,401
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$964/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,280
+HK$1,966/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,587 · 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).