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$17,838
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,393
−HK$564/mo
Today · 4.125%
HK$18,957
baseline
▲ 0.50% · 4.625%
HK$20,110
+HK$1,153/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$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,845
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$540/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,019
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,072
−HK$676/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$24,132
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,814
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,452
−HK$648/mo
Today · 4.125%
HK$25,100
baseline
▲ 0.50% · 4.625%
HK$26,423
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,200/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,750
−HK$789/mo
Today · 4.125%
HK$26,539
baseline
▲ 0.50% · 4.625%
HK$28,154
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,078/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,783
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,528
−HK$756/mo
Today · 4.125%
HK$29,284
baseline
▲ 0.50% · 4.625%
HK$30,827
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,568/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,107
−HK$1,015/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$36,198
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,679
−HK$971/mo
Today · 4.125%
HK$37,650
baseline
▲ 0.50% · 4.625%
HK$39,635
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,300/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,687 · 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).