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$17,839
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,394
−HK$563/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$20,111
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,914/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,845
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$540/mo
Today · 4.125%
HK$20,918
baseline
▲ 0.50% · 4.625%
HK$22,020
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,836/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,072
−HK$677/mo
Today · 4.125%
HK$22,749
baseline
▲ 0.50% · 4.625%
HK$24,133
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,498/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,453
−HK$648/mo
Today · 4.125%
HK$25,101
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,202/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,751
−HK$789/mo
Today · 4.125%
HK$26,540
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,080/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$756/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$30,828
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$1,015/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,722
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,680
−HK$972/mo
Today · 4.125%
HK$37,652
baseline
▲ 0.50% · 4.625%
HK$39,636
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,304/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,693 · 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).