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$17,797
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$562/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$539/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,356
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$675/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$24,077
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,759
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,396
−HK$646/mo
Today · 4.125%
HK$25,042
baseline
▲ 0.50% · 4.625%
HK$26,362
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,084/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,916
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,691
−HK$787/mo
Today · 4.125%
HK$26,478
baseline
▲ 0.50% · 4.625%
HK$28,089
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,956/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,719
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$754/mo
Today · 4.125%
HK$29,216
baseline
▲ 0.50% · 4.625%
HK$30,756
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,432/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,035
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,031
−HK$1,012/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$36,115
+HK$2,072/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,638
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,594
−HK$970/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$1,980/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,145 · 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).