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$17,714
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,265
−HK$559/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,970
+HK$1,146/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,648/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,706
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$536/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$21,866
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$671/mo
Today · 4.125%
HK$22,589
baseline
▲ 0.50% · 4.625%
HK$23,964
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,178/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,282
−HK$643/mo
Today · 4.125%
HK$24,925
baseline
▲ 0.50% · 4.625%
HK$26,239
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,850/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$784/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,589
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$750/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,612
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,885
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,876
−HK$1,008/mo
Today · 4.125%
HK$33,884
baseline
▲ 0.50% · 4.625%
HK$35,946
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,768/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,471
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,423
−HK$965/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,358
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,048 · 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).