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$17,833
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,388
−HK$564/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$539/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,400
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,066
−HK$676/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,446
−HK$648/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,416
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$789/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$756/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$30,819
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$1,014/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,711
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$971/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,625
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,624 · 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).