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$17,801
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$562/mo
Today · 4.125%
HK$18,917
baseline
▲ 0.50% · 4.625%
HK$20,068
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,834/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,803
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$538/mo
Today · 4.125%
HK$20,873
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,101/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,746/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,361
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$675/mo
Today · 4.125%
HK$22,701
baseline
▲ 0.50% · 4.625%
HK$24,082
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,402/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,764
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$647/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$787/mo
Today · 4.125%
HK$26,484
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,968/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,725
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$755/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$30,763
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$1,013/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$36,123
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,102/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$970/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,552
+HK$1,980/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,197 · 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).