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$17,714
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$560/mo
Today · 4.125%
HK$18,825
baseline
▲ 0.50% · 4.625%
HK$19,971
+HK$1,146/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,650/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,707
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$537/mo
Today · 4.125%
HK$20,772
baseline
▲ 0.50% · 4.625%
HK$21,867
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,544/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,257
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$672/mo
Today · 4.125%
HK$22,590
baseline
▲ 0.50% · 4.625%
HK$23,965
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,180/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,648
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,283
−HK$643/mo
Today · 4.125%
HK$24,926
baseline
▲ 0.50% · 4.625%
HK$26,240
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,852/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,800
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$784/mo
Today · 4.125%
HK$26,355
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,710/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,590
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$750/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,613
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,886
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,878
−HK$1,007/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,947
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$965/mo
Today · 4.125%
HK$37,389
baseline
▲ 0.50% · 4.625%
HK$39,360
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,778/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,057 · 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).