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$17,760
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$562/mo
Today · 4.125%
HK$18,874
baseline
▲ 0.50% · 4.625%
HK$20,022
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,748/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$537/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$21,923
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,312
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,975
−HK$673/mo
Today · 4.125%
HK$22,648
baseline
▲ 0.50% · 4.625%
HK$24,027
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,296/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,709
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,345
−HK$645/mo
Today · 4.125%
HK$24,990
baseline
▲ 0.50% · 4.625%
HK$26,308
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,980/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,864
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$786/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$28,031
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,661
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,403
−HK$752/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,692
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,968
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$1,011/mo
Today · 4.125%
HK$33,973
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,946/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,564
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,518
−HK$968/mo
Today · 4.125%
HK$37,486
baseline
▲ 0.50% · 4.625%
HK$39,461
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,972/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,659 · 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).