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$17,709
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,260
−HK$559/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,701
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$536/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,251
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,912
−HK$671/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,957
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,641
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$643/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$783/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$750/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,604
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$1,008/mo
Today · 4.125%
HK$33,875
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,750/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,462
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,413
−HK$964/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,348
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,985 · 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).