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$19,974
+HK$1,145/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$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,711
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$537/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$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,261
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,923
−HK$671/mo
Today · 4.125%
HK$22,594
baseline
▲ 0.50% · 4.625%
HK$23,969
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,188/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,653
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,287
−HK$644/mo
Today · 4.125%
HK$24,931
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,314/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$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,576
−HK$784/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,964
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,595
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$751/mo
Today · 4.125%
HK$29,086
baseline
▲ 0.50% · 4.625%
HK$30,619
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,172/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,892
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,884
−HK$1,008/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,954
+HK$2,062/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$233,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,479
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,431
−HK$965/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,367
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,101 · 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).