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$17,720
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,272
−HK$560/mo
Today · 4.125%
HK$18,832
baseline
▲ 0.50% · 4.625%
HK$19,977
+HK$1,145/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,664/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,714
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,242
−HK$537/mo
Today · 4.125%
HK$20,779
baseline
▲ 0.50% · 4.625%
HK$21,874
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,558/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,264
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$21,926
−HK$672/mo
Today · 4.125%
HK$22,598
baseline
▲ 0.50% · 4.625%
HK$23,973
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,196/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,657
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$644/mo
Today · 4.125%
HK$24,935
baseline
▲ 0.50% · 4.625%
HK$26,249
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,870/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$784/mo
Today · 4.125%
HK$26,364
baseline
▲ 0.50% · 4.625%
HK$27,968
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,728/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,339
−HK$751/mo
Today · 4.125%
HK$29,090
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,180/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,897
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,889
−HK$1,008/mo
Today · 4.125%
HK$33,897
baseline
▲ 0.50% · 4.625%
HK$35,959
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,794/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,485
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,436
−HK$966/mo
Today · 4.125%
HK$37,402
baseline
▲ 0.50% · 4.625%
HK$39,373
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,804/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,137 · 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).