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$17,786
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,339
−HK$562/mo
Today · 4.125%
HK$18,901
baseline
▲ 0.50% · 4.625%
HK$20,051
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,802/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,786
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,317
−HK$538/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,343
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,007
−HK$674/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,744
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$646/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$786/mo
Today · 4.125%
HK$26,461
baseline
▲ 0.50% · 4.625%
HK$28,072
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,922/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,701
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$754/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,737
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,014
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$1,012/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,571
−HK$969/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,997 · 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).