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$17,751
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,304
−HK$561/mo
Today · 4.125%
HK$18,865
baseline
▲ 0.50% · 4.625%
HK$20,012
+HK$1,147/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,730/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,748
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,278
−HK$537/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$21,912
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,302
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,964
−HK$674/mo
Today · 4.125%
HK$22,638
baseline
▲ 0.50% · 4.625%
HK$24,015
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,276/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,698
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,333
−HK$645/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,295
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,852
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$785/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,648
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,389
−HK$752/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,677
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,953
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$1,010/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$36,022
+HK$2,066/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,547
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,500
−HK$967/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,442
+HK$1,975/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,545 · 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).