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$17,722
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$560/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,979
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$537/mo
Today · 4.125%
HK$20,781
baseline
▲ 0.50% · 4.625%
HK$21,876
+HK$1,095/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$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,266
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,928
−HK$672/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,659
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$644/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,251
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$784/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,971
+HK$1,604/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$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$751/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,900
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,892
−HK$1,008/mo
Today · 4.125%
HK$33,900
baseline
▲ 0.50% · 4.625%
HK$35,963
+HK$2,063/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,800/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,488
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,440
−HK$965/mo
Today · 4.125%
HK$37,405
baseline
▲ 0.50% · 4.625%
HK$39,377
+HK$1,972/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,810/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,158 · 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).