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$17,715
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$560/mo
Today · 4.125%
HK$18,826
baseline
▲ 0.50% · 4.625%
HK$19,972
+HK$1,146/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,652/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,708
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$536/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$21,868
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,258
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$671/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,650
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,284
−HK$643/mo
Today · 4.125%
HK$24,927
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,854/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,801
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$784/mo
Today · 4.125%
HK$26,357
baseline
▲ 0.50% · 4.625%
HK$27,960
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,714/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,591
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,331
−HK$751/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,615
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,887
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$1,008/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,949
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,474
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$965/mo
Today · 4.125%
HK$37,391
baseline
▲ 0.50% · 4.625%
HK$39,362
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,782/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,069 · 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).