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$17,800
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,353
−HK$563/mo
Today · 4.125%
HK$18,916
baseline
▲ 0.50% · 4.625%
HK$20,067
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,832/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,333
−HK$539/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$21,972
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$675/mo
Today · 4.125%
HK$22,699
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,398/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$646/mo
Today · 4.125%
HK$25,046
baseline
▲ 0.50% · 4.625%
HK$26,366
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,092/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$787/mo
Today · 4.125%
HK$26,482
baseline
▲ 0.50% · 4.625%
HK$28,094
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,964/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,723
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$754/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,039
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$1,012/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,643
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,599
−HK$970/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,549
+HK$1,980/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,180 · 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).