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$17,817
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$563/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,821
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$539/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$676/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,382/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,423
−HK$647/mo
Today · 4.125%
HK$25,070
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,140/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$789/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$755/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,070
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$1,013/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$970/mo
Today · 4.125%
HK$37,605
baseline
▲ 0.50% · 4.625%
HK$39,588
+HK$1,983/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,210/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,405 · 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).