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$17,704
−HK$1,110/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$560/mo
Today · 4.125%
HK$18,814
baseline
▲ 0.50% · 4.625%
HK$19,959
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,628/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,695
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$536/mo
Today · 4.125%
HK$20,759
baseline
▲ 0.50% · 4.625%
HK$21,854
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,518/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,244
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,905
−HK$672/mo
Today · 4.125%
HK$22,577
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,373/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,154/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,634
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$643/mo
Today · 4.125%
HK$24,911
baseline
▲ 0.50% · 4.625%
HK$26,224
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,822/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,785
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,556
−HK$783/mo
Today · 4.125%
HK$26,339
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$52,678/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,573
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,313
−HK$750/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,595
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.43M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$1,007/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$2,061/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,402
−HK$965/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$1,969/mo
Deposit HK$776K · loan HK$6.99M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,918 · 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).