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$17,795
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$563/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$539/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$675/mo
Today · 4.125%
HK$22,693
baseline
▲ 0.50% · 4.625%
HK$24,074
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,386/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,393
−HK$646/mo
Today · 4.125%
HK$25,039
baseline
▲ 0.50% · 4.625%
HK$26,359
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,078/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$787/mo
Today · 4.125%
HK$26,475
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,950/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,715
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,458
−HK$754/mo
Today · 4.125%
HK$29,212
baseline
▲ 0.50% · 4.625%
HK$30,752
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,424/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,031
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$1,012/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$970/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$1,980/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,116 · 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).