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$17,841
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$564/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$540/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,023
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$676/mo
Today · 4.125%
HK$22,752
baseline
▲ 0.50% · 4.625%
HK$24,137
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,504/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,818
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$648/mo
Today · 4.125%
HK$25,105
baseline
▲ 0.50% · 4.625%
HK$26,428
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,210/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,978
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,755
−HK$789/mo
Today · 4.125%
HK$26,544
baseline
▲ 0.50% · 4.625%
HK$28,159
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,088/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,788
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,533
−HK$756/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$30,833
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,114
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$1,015/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$2,077/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$972/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,729 · 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).