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$17,830
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$564/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,835
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$540/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,009
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,396
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,061
−HK$676/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$24,121
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,802
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$647/mo
Today · 4.125%
HK$25,088
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,176/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$789/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,769
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$756/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$1,014/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$972/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,575 · 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).