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$17,791
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,344
−HK$563/mo
Today · 4.125%
HK$18,907
baseline
▲ 0.50% · 4.625%
HK$20,057
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,814/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,792
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,323
−HK$538/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,349
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,013
−HK$675/mo
Today · 4.125%
HK$22,688
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,376/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,751
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,388
−HK$646/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,353
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$787/mo
Today · 4.125%
HK$26,469
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,938/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,709
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,452
−HK$754/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,746
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,024
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,020
−HK$1,012/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,626
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$970/mo
Today · 4.125%
HK$37,551
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,102/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,065 · 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).