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$17,776
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$562/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$538/mo
Today · 4.125%
HK$20,844
baseline
▲ 0.50% · 4.625%
HK$21,943
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,688/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,331
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,995
−HK$674/mo
Today · 4.125%
HK$22,669
baseline
▲ 0.50% · 4.625%
HK$24,049
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,338/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,731
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,368
−HK$645/mo
Today · 4.125%
HK$25,013
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,026/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$786/mo
Today · 4.125%
HK$26,447
baseline
▲ 0.50% · 4.625%
HK$28,057
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,894/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,686
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$753/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,720
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$1,011/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$969/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,872 · 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).