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$1,110/mo
▼ 0.25% · 3.875%
HK$18,257
−HK$560/mo
Today · 4.125%
HK$18,817
baseline
▲ 0.50% · 4.625%
HK$19,962
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,634/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$536/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,094/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$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,248
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$21,909
−HK$671/mo
Today · 4.125%
HK$22,580
baseline
▲ 0.50% · 4.625%
HK$23,954
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,160/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,638
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$643/mo
Today · 4.125%
HK$24,915
baseline
▲ 0.50% · 4.625%
HK$26,228
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,830/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,560
−HK$784/mo
Today · 4.125%
HK$26,344
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,688/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$751/mo
Today · 4.125%
HK$29,068
baseline
▲ 0.50% · 4.625%
HK$30,600
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,136/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,872
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$1,007/mo
Today · 4.125%
HK$33,870
baseline
▲ 0.50% · 4.625%
HK$35,931
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,740/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,457
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$965/mo
Today · 4.125%
HK$37,373
baseline
▲ 0.50% · 4.625%
HK$39,343
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,746/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$232,955 · 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).