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$17,707
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,258
−HK$560/mo
Today · 4.125%
HK$18,818
baseline
▲ 0.50% · 4.625%
HK$19,963
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,636/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,699
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$536/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,249
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,910
−HK$671/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,955
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,639
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$643/mo
Today · 4.125%
HK$24,916
baseline
▲ 0.50% · 4.625%
HK$26,229
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,832/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$784/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,948
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,579
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$751/mo
Today · 4.125%
HK$29,069
baseline
▲ 0.50% · 4.625%
HK$30,601
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,138/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,873
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$1,008/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,933
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,458
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,409
−HK$965/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,344
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,963 · 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).