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$17,711
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,262
−HK$560/mo
Today · 4.125%
HK$18,822
baseline
▲ 0.50% · 4.625%
HK$19,967
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,644/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,704
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,232
−HK$536/mo
Today · 4.125%
HK$20,768
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,536/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,915
−HK$671/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,644
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$643/mo
Today · 4.125%
HK$24,922
baseline
▲ 0.50% · 4.625%
HK$26,236
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,844/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,796
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$784/mo
Today · 4.125%
HK$26,351
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,702/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,585
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$751/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,880
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$1,008/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,467
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,418
−HK$965/mo
Today · 4.125%
HK$37,383
baseline
▲ 0.50% · 4.625%
HK$39,353
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,766/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,018 · 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).