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$1,110/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$559/mo
Today · 4.125%
HK$18,823
baseline
▲ 0.50% · 4.625%
HK$19,969
+HK$1,146/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,646/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,705
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,234
−HK$536/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$21,864
+HK$1,094/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$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,255
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$672/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,374/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,646
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$644/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,237
+HK$1,313/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$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,569
−HK$784/mo
Today · 4.125%
HK$26,353
baseline
▲ 0.50% · 4.625%
HK$27,956
+HK$1,603/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$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,587
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,327
−HK$751/mo
Today · 4.125%
HK$29,078
baseline
▲ 0.50% · 4.625%
HK$30,610
+HK$1,532/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$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,874
−HK$1,008/mo
Today · 4.125%
HK$33,882
baseline
▲ 0.50% · 4.625%
HK$35,944
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,764/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,469
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,420
−HK$965/mo
Today · 4.125%
HK$37,385
baseline
▲ 0.50% · 4.625%
HK$39,356
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,770/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,034 · 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).