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$18,355
−HK$563/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,151/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$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,804
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$539/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$676/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,381/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$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,765
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,402
−HK$647/mo
Today · 4.125%
HK$25,049
baseline
▲ 0.50% · 4.625%
HK$26,369
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,098/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,922
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$787/mo
Today · 4.125%
HK$26,485
baseline
▲ 0.50% · 4.625%
HK$28,097
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,970/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,726
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,469
−HK$755/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,043
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,040
−HK$1,012/mo
Today · 4.125%
HK$34,052
baseline
▲ 0.50% · 4.625%
HK$36,124
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,104/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,647
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,603
−HK$970/mo
Today · 4.125%
HK$37,573
baseline
▲ 0.50% · 4.625%
HK$39,554
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,146/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,206 · 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).