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$17,796
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,350
−HK$562/mo
Today · 4.125%
HK$18,912
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,798
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$539/mo
Today · 4.125%
HK$20,868
baseline
▲ 0.50% · 4.625%
HK$21,968
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,736/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,356
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,020
−HK$675/mo
Today · 4.125%
HK$22,695
baseline
▲ 0.50% · 4.625%
HK$24,076
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,390/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,758
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,395
−HK$646/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,361
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$787/mo
Today · 4.125%
HK$26,477
baseline
▲ 0.50% · 4.625%
HK$28,088
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,954/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,718
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$754/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,755
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$1,012/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$2,072/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$969/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$1,980/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,136 · 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).