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$17,686
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$559/mo
Today · 4.125%
HK$18,795
baseline
▲ 0.50% · 4.625%
HK$19,938
+HK$1,143/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,590/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$20,203
−HK$535/mo
Today · 4.125%
HK$20,738
baseline
▲ 0.50% · 4.625%
HK$21,831
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,476/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,223
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,883
−HK$671/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,372/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,610
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$643/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,198
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$783/mo
Today · 4.125%
HK$26,313
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,601/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,626/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,545
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$749/mo
Today · 4.125%
HK$29,033
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,066/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,825
−HK$1,006/mo
Today · 4.125%
HK$33,831
baseline
▲ 0.50% · 4.625%
HK$35,889
+HK$2,058/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,662/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,415
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,365
−HK$964/mo
Today · 4.125%
HK$37,329
baseline
▲ 0.50% · 4.625%
HK$39,296
+HK$1,967/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,658/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,682 · 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).