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$17,750
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,302
−HK$561/mo
Today · 4.125%
HK$18,863
baseline
▲ 0.50% · 4.625%
HK$20,011
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,726/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,747
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,276
−HK$538/mo
Today · 4.125%
HK$20,814
baseline
▲ 0.50% · 4.625%
HK$21,911
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,628/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$673/mo
Today · 4.125%
HK$22,636
baseline
▲ 0.50% · 4.625%
HK$24,013
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,272/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,332
−HK$644/mo
Today · 4.125%
HK$24,976
baseline
▲ 0.50% · 4.625%
HK$26,293
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,952/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,850
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$785/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$752/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,950
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$1,010/mo
Today · 4.125%
HK$33,954
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$2,066/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$67,908/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$967/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,439
+HK$1,975/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,527 · 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).