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$17,713
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$560/mo
Today · 4.125%
HK$18,824
baseline
▲ 0.50% · 4.625%
HK$19,969
+HK$1,145/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$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,706
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$536/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,917
−HK$672/mo
Today · 4.125%
HK$22,589
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,374/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$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,647
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$643/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,848/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$783/mo
Today · 4.125%
HK$26,353
baseline
▲ 0.50% · 4.625%
HK$27,957
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,706/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,588
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$750/mo
Today · 4.125%
HK$29,078
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,156/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,884
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$1,008/mo
Today · 4.125%
HK$33,883
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,766/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,422
−HK$965/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$1,970/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,042 · 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).