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$17,828
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$563/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$20,099
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$539/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,007
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,394
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$676/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$24,119
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,800
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$647/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,736
−HK$789/mo
Today · 4.125%
HK$26,525
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,050/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$755/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$30,810
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,091
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$1,014/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,658
−HK$971/mo
Today · 4.125%
HK$37,629
baseline
▲ 0.50% · 4.625%
HK$39,613
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,258/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,555 · 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).