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$17,699
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$560/mo
Today · 4.125%
HK$18,809
baseline
▲ 0.50% · 4.625%
HK$19,953
+HK$1,144/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,618/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,690
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$535/mo
Today · 4.125%
HK$20,753
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,506/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,238
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$671/mo
Today · 4.125%
HK$22,570
baseline
▲ 0.50% · 4.625%
HK$23,944
+HK$1,374/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,140/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,628
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$643/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,217
+HK$1,313/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$783/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,934
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,565
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$750/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,586
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,858
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$1,006/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$2,060/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,441
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$964/mo
Today · 4.125%
HK$37,356
baseline
▲ 0.50% · 4.625%
HK$39,325
+HK$1,969/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,712/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,852 · 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).