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$17,804
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,357
−HK$563/mo
Today · 4.125%
HK$18,920
baseline
▲ 0.50% · 4.625%
HK$20,071
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,840/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,806
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$538/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,101/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,364
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,029
−HK$675/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$647/mo
Today · 4.125%
HK$25,052
baseline
▲ 0.50% · 4.625%
HK$26,372
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,104/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,925
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,700
−HK$788/mo
Today · 4.125%
HK$26,488
baseline
▲ 0.50% · 4.625%
HK$28,100
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,976/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,729
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,473
−HK$754/mo
Today · 4.125%
HK$29,227
baseline
▲ 0.50% · 4.625%
HK$30,768
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,454/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,046
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,043
−HK$1,013/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$36,128
+HK$2,072/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,608
−HK$970/mo
Today · 4.125%
HK$37,578
baseline
▲ 0.50% · 4.625%
HK$39,558
+HK$1,980/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,156/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,232 · 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).