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$17,718
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$560/mo
Today · 4.125%
HK$18,829
baseline
▲ 0.50% · 4.625%
HK$19,975
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,658/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$536/mo
Today · 4.125%
HK$20,776
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,552/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$672/mo
Today · 4.125%
HK$22,595
baseline
▲ 0.50% · 4.625%
HK$23,970
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,190/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$643/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,246
+HK$1,315/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,862/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,577
−HK$784/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,965
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,596
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$751/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,620
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$1,007/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$2,063/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,784/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,480
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$965/mo
Today · 4.125%
HK$37,397
baseline
▲ 0.50% · 4.625%
HK$39,368
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,794/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,107 · 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).