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$17,716
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$560/mo
Today · 4.125%
HK$18,827
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,146/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,654/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,709
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$536/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$21,869
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$672/mo
Today · 4.125%
HK$22,593
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,186/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$644/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,803
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$784/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,962
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,716/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$750/mo
Today · 4.125%
HK$29,083
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,166/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,889
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$1,008/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$965/mo
Today · 4.125%
HK$37,393
baseline
▲ 0.50% · 4.625%
HK$39,364
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,786/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,082 · 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).