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$17,672
−HK$1,109/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$559/mo
Today · 4.125%
HK$18,781
baseline
▲ 0.50% · 4.625%
HK$19,923
+HK$1,142/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,562/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$534/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,815
+HK$1,093/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,866
−HK$671/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,908
+HK$1,371/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$642/mo
Today · 4.125%
HK$24,867
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,311/mo
Deposit HK$3.10M · loan HK$4.65M · min. income ≈ HK$49,734/mo (50% DSR)
Upfront cash ≈ HK$3.33M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$782/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,893
+HK$1,600/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$748/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,530/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,810
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$1,005/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$2,057/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,388
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,338
−HK$962/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,267
+HK$1,967/mo
Deposit HK$775K · loan HK$6.98M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,505 · 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).