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$17,805
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,359
−HK$563/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$20,073
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,808
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$539/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$21,979
+HK$1,101/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,366
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,031
−HK$675/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$24,088
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,407
−HK$647/mo
Today · 4.125%
HK$25,054
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,108/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,927
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,702
−HK$788/mo
Today · 4.125%
HK$26,490
baseline
▲ 0.50% · 4.625%
HK$28,102
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,980/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,731
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,475
−HK$754/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,458/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,049
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,046
−HK$1,013/mo
Today · 4.125%
HK$34,059
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,118/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,654
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,611
−HK$970/mo
Today · 4.125%
HK$37,581
baseline
▲ 0.50% · 4.625%
HK$39,562
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,162/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,251 · 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).