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$17,721
−HK$1,112/mo
▼ 0.25% · 3.875%
HK$18,273
−HK$560/mo
Today · 4.125%
HK$18,833
baseline
▲ 0.50% · 4.625%
HK$19,979
+HK$1,146/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,666/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$536/mo
Today · 4.125%
HK$20,780
baseline
▲ 0.50% · 4.625%
HK$21,875
+HK$1,095/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,560/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,266
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,927
−HK$672/mo
Today · 4.125%
HK$22,599
baseline
▲ 0.50% · 4.625%
HK$23,974
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,198/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,658
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,292
−HK$644/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,250
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$784/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,970
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,601
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,341
−HK$751/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,534/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,899
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$1,008/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,962
+HK$2,063/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,487
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,439
−HK$965/mo
Today · 4.125%
HK$37,404
baseline
▲ 0.50% · 4.625%
HK$39,376
+HK$1,972/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,808/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,151 · 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).