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$17,828
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,382
−HK$564/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$20,099
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,833
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$540/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,007
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,393
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,059
−HK$676/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$24,118
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,800
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$648/mo
Today · 4.125%
HK$25,086
baseline
▲ 0.50% · 4.625%
HK$26,408
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,172/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,735
−HK$789/mo
Today · 4.125%
HK$26,524
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,048/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,767
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,511
−HK$756/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$30,809
+HK$1,542/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,090
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,088
−HK$1,015/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,700
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,657
−HK$972/mo
Today · 4.125%
HK$37,629
baseline
▲ 0.50% · 4.625%
HK$39,612
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,258/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,551 · 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).