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$17,777
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$562/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$538/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,333
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,996
−HK$674/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$24,050
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,732
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,369
−HK$645/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$787/mo
Today · 4.125%
HK$26,449
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,898/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,688
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$754/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,722
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$1,012/mo
Today · 4.125%
HK$34,006
baseline
▲ 0.50% · 4.625%
HK$36,075
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,012/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$969/mo
Today · 4.125%
HK$37,522
baseline
▲ 0.50% · 4.625%
HK$39,500
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,044/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,884 · 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).