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$17,810
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$563/mo
Today · 4.125%
HK$18,927
baseline
▲ 0.50% · 4.625%
HK$20,079
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,854/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$539/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$21,985
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,768/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,037
−HK$675/mo
Today · 4.125%
HK$22,712
baseline
▲ 0.50% · 4.625%
HK$24,094
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,424/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,776
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$647/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,934
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,710
−HK$788/mo
Today · 4.125%
HK$26,498
baseline
▲ 0.50% · 4.625%
HK$28,110
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,996/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,739
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,483
−HK$755/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$30,779
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,058
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$1,014/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,621
−HK$970/mo
Today · 4.125%
HK$37,591
baseline
▲ 0.50% · 4.625%
HK$39,573
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,182/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,318 · 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).