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$17,693
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$559/mo
Today · 4.125%
HK$18,802
baseline
▲ 0.50% · 4.625%
HK$19,947
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,604/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,683
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,211
−HK$536/mo
Today · 4.125%
HK$20,747
baseline
▲ 0.50% · 4.625%
HK$21,840
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,494/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,232
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$21,892
−HK$671/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,936
+HK$1,373/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,620
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$24,253
−HK$643/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,208
+HK$1,312/mo
Deposit HK$3.10M · loan HK$4.66M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,770
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$782/mo
Today · 4.125%
HK$26,323
baseline
▲ 0.50% · 4.625%
HK$27,925
+HK$1,602/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,646/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,557
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$749/mo
Today · 4.125%
HK$29,045
baseline
▲ 0.50% · 4.625%
HK$30,576
+HK$1,531/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,090/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,847
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$1,006/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$2,060/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,430
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$964/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$1,968/mo
Deposit HK$776K · loan HK$6.98M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,777 · 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).