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$17,708
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,259
−HK$560/mo
Today · 4.125%
HK$18,819
baseline
▲ 0.50% · 4.625%
HK$19,964
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,638/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$536/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$21,859
+HK$1,094/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,250
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$671/mo
Today · 4.125%
HK$22,582
baseline
▲ 0.50% · 4.625%
HK$23,956
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,164/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,640
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$643/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$783/mo
Today · 4.125%
HK$26,346
baseline
▲ 0.50% · 4.625%
HK$27,949
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,692/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,580
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$750/mo
Today · 4.125%
HK$29,070
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,140/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,875
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$1,008/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,460
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,411
−HK$965/mo
Today · 4.125%
HK$37,376
baseline
▲ 0.50% · 4.625%
HK$39,346
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,752/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,977 · 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).