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$17,717
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,268
−HK$560/mo
Today · 4.125%
HK$18,828
baseline
▲ 0.50% · 4.625%
HK$19,973
+HK$1,145/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$37,656/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,710
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$20,238
−HK$536/mo
Today · 4.125%
HK$20,774
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,096/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,548/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,260
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,921
−HK$672/mo
Today · 4.125%
HK$22,593
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,186/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,652
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$643/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,314/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,803
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$784/mo
Today · 4.125%
HK$26,359
baseline
▲ 0.50% · 4.625%
HK$27,963
+HK$1,604/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,718/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,594
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$750/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,533/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,890
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$1,008/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,952
+HK$2,062/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$965/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,089 · 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).