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$17,753
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,305
−HK$562/mo
Today · 4.125%
HK$18,867
baseline
▲ 0.50% · 4.625%
HK$20,015
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,734/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,750
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$537/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$21,915
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,967
−HK$673/mo
Today · 4.125%
HK$22,640
baseline
▲ 0.50% · 4.625%
HK$24,017
+HK$1,377/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,280/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,700
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,336
−HK$645/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,855
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$785/mo
Today · 4.125%
HK$26,413
baseline
▲ 0.50% · 4.625%
HK$28,020
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,826/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,650
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$752/mo
Today · 4.125%
HK$29,144
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,288/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$1,010/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$2,066/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,551
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$967/mo
Today · 4.125%
HK$37,471
baseline
▲ 0.50% · 4.625%
HK$39,446
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,942/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,570 · 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).