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$17,802
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$562/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,152/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$539/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,027
−HK$675/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,766
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$647/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$788/mo
Today · 4.125%
HK$26,486
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,972/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,727
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,470
−HK$755/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$1,012/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$36,125
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,605
−HK$969/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,213 · 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).