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$17,793
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$563/mo
Today · 4.125%
HK$18,909
baseline
▲ 0.50% · 4.625%
HK$20,059
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,818/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$539/mo
Today · 4.125%
HK$20,864
baseline
▲ 0.50% · 4.625%
HK$21,964
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,728/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$674/mo
Today · 4.125%
HK$22,690
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,380/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,753
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,390
−HK$647/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,356
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$787/mo
Today · 4.125%
HK$26,472
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,944/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,712
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$754/mo
Today · 4.125%
HK$29,209
baseline
▲ 0.50% · 4.625%
HK$30,749
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,418/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$1,013/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,630
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$970/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,091 · 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).