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$17,775
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$562/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$538/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,330
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$674/mo
Today · 4.125%
HK$22,668
baseline
▲ 0.50% · 4.625%
HK$24,047
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,336/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,366
−HK$646/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,330
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,659
−HK$787/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$28,055
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,685
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$753/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,995
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$1,011/mo
Today · 4.125%
HK$34,002
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,004/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$969/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,495
+HK$1,977/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,859 · 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).