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$17,763
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,315
−HK$562/mo
Today · 4.125%
HK$18,877
baseline
▲ 0.50% · 4.625%
HK$20,025
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,754/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,761
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$538/mo
Today · 4.125%
HK$20,829
baseline
▲ 0.50% · 4.625%
HK$21,927
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,658/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,315
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,978
−HK$674/mo
Today · 4.125%
HK$22,652
baseline
▲ 0.50% · 4.625%
HK$24,030
+HK$1,378/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,304/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,349
−HK$645/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,868
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,642
−HK$785/mo
Today · 4.125%
HK$26,427
baseline
▲ 0.50% · 4.625%
HK$28,035
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,854/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,665
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,407
−HK$753/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,697
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$1,010/mo
Today · 4.125%
HK$33,978
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,956/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,570
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$968/mo
Today · 4.125%
HK$37,492
baseline
▲ 0.50% · 4.625%
HK$39,468
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,984/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,696 · 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).