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$17,840
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$564/mo
Today · 4.125%
HK$18,959
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,918/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,847
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$540/mo
Today · 4.125%
HK$20,919
baseline
▲ 0.50% · 4.625%
HK$22,022
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,838/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$676/mo
Today · 4.125%
HK$22,750
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,500/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,816
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$648/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,426
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$789/mo
Today · 4.125%
HK$26,542
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,084/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,785
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$756/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,015/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$972/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,639
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,710 · 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).