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$17,774
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,327
−HK$562/mo
Today · 4.125%
HK$18,889
baseline
▲ 0.50% · 4.625%
HK$20,038
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,778/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$538/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,992
−HK$674/mo
Today · 4.125%
HK$22,666
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,332/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$646/mo
Today · 4.125%
HK$25,010
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,020/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,884
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$786/mo
Today · 4.125%
HK$26,444
baseline
▲ 0.50% · 4.625%
HK$28,053
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,888/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,683
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$753/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,716
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,993
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$1,011/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$36,068
+HK$2,069/mo
Deposit HK$779K · loan HK$7.02M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$968/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,493
+HK$1,978/mo
Deposit HK$779K · loan HK$7.02M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,843 · 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).