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$17,723
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,274
−HK$560/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,980
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,245
−HK$536/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$21,877
+HK$1,096/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,562/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,267
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,929
−HK$672/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,976
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,659
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$644/mo
Today · 4.125%
HK$24,938
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,876/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$784/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,605/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,603
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$751/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,901
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,893
−HK$1,008/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$2,063/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,489
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$965/mo
Today · 4.125%
HK$37,406
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$1,972/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,812/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,165 · 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).