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$17,833
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,387
−HK$564/mo
Today · 4.125%
HK$18,951
baseline
▲ 0.50% · 4.625%
HK$20,104
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,902/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$540/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,013
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,399
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,065
−HK$676/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$648/mo
Today · 4.125%
HK$25,093
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,186/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,742
−HK$789/mo
Today · 4.125%
HK$26,531
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,062/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,774
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$756/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,015/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$972/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,615 · 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).