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$17,778
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$562/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$20,043
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$538/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,334
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,998
−HK$674/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$24,051
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,734
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,370
−HK$646/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,335
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,890
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$786/mo
Today · 4.125%
HK$26,450
baseline
▲ 0.50% · 4.625%
HK$28,060
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,900/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,689
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$753/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,724
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,001
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$1,012/mo
Today · 4.125%
HK$34,008
baseline
▲ 0.50% · 4.625%
HK$36,077
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,016/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,601
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,556
−HK$968/mo
Today · 4.125%
HK$37,524
baseline
▲ 0.50% · 4.625%
HK$39,502
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,048/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,899 · 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).