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$17,712
−HK$1,111/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$560/mo
Today · 4.125%
HK$18,823
baseline
▲ 0.50% · 4.625%
HK$19,968
+HK$1,145/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$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,704
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$20,233
−HK$536/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$21,864
+HK$1,095/mo
Deposit HK$3.88M · loan HK$3.88M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$21,916
−HK$671/mo
Today · 4.125%
HK$22,587
baseline
▲ 0.50% · 4.625%
HK$23,962
+HK$1,375/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$45,174/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,645
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$644/mo
Today · 4.125%
HK$24,923
baseline
▲ 0.50% · 4.625%
HK$26,236
+HK$1,313/mo
Deposit HK$3.11M · loan HK$4.66M · min. income ≈ HK$49,846/mo (50% DSR)
Upfront cash ≈ HK$3.34M (deposit + AVD stamp duty HK$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,797
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,568
−HK$784/mo
Today · 4.125%
HK$26,352
baseline
▲ 0.50% · 4.625%
HK$27,955
+HK$1,603/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$52,704/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,586
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,326
−HK$751/mo
Today · 4.125%
HK$29,077
baseline
▲ 0.50% · 4.625%
HK$30,609
+HK$1,532/mo
Deposit HK$2.33M · loan HK$5.44M · min. income ≈ HK$58,154/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,873
−HK$1,008/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$2,061/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,468
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,419
−HK$965/mo
Today · 4.125%
HK$37,384
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$1,971/mo
Deposit HK$777K · loan HK$6.99M · min. income ≈ HK$74,768/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,027 · 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).