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$19,972
+HK$1,145/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$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,709
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$537/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$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$672/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,651
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$643/mo
Today · 4.125%
HK$24,928
baseline
▲ 0.50% · 4.625%
HK$26,242
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,856/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,802
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$784/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,961
+HK$1,603/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$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,592
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$751/mo
Today · 4.125%
HK$29,083
baseline
▲ 0.50% · 4.625%
HK$30,616
+HK$1,533/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$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,889
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$1,007/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,476
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,427
−HK$965/mo
Today · 4.125%
HK$37,392
baseline
▲ 0.50% · 4.625%
HK$39,363
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,784/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,078 · 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).