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$17,768
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,321
−HK$561/mo
Today · 4.125%
HK$18,882
baseline
▲ 0.50% · 4.625%
HK$20,031
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,764/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,297
−HK$538/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,985
−HK$674/mo
Today · 4.125%
HK$22,659
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,318/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,357
−HK$645/mo
Today · 4.125%
HK$25,002
baseline
▲ 0.50% · 4.625%
HK$26,320
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,004/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,875
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,649
−HK$786/mo
Today · 4.125%
HK$26,435
baseline
▲ 0.50% · 4.625%
HK$28,044
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,870/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,674
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,416
−HK$753/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,706
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,983
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$1,010/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$36,056
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,581
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,535
−HK$968/mo
Today · 4.125%
HK$37,503
baseline
▲ 0.50% · 4.625%
HK$39,480
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,006/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,766 · 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).