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$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,774
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$538/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,099/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$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$674/mo
Today · 4.125%
HK$22,667
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,334/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,365
−HK$646/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,884
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$787/mo
Today · 4.125%
HK$26,445
baseline
▲ 0.50% · 4.625%
HK$28,054
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,890/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,684
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$753/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,717
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,994
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,989
−HK$1,011/mo
Today · 4.125%
HK$34,000
baseline
▲ 0.50% · 4.625%
HK$36,069
+HK$2,069/mo
Deposit HK$779K · loan HK$7.02M · min. income ≈ HK$68,000/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,593
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,548
−HK$968/mo
Today · 4.125%
HK$37,516
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$1,978/mo
Deposit HK$779K · loan HK$7.02M · min. income ≈ HK$75,032/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,849 · 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).