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$17,850
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$564/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$540/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,104/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,420
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,086
−HK$677/mo
Today · 4.125%
HK$22,763
baseline
▲ 0.50% · 4.625%
HK$24,148
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,526/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,829
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$648/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,440
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,767
−HK$790/mo
Today · 4.125%
HK$26,557
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,114/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,801
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,546
−HK$757/mo
Today · 4.125%
HK$29,303
baseline
▲ 0.50% · 4.625%
HK$30,847
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,606/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,129
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$1,015/mo
Today · 4.125%
HK$34,144
baseline
▲ 0.50% · 4.625%
HK$36,222
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,288/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,744
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,702
−HK$973/mo
Today · 4.125%
HK$37,675
baseline
▲ 0.50% · 4.625%
HK$39,661
+HK$1,986/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,350/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,838 · 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).