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$17,847
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,402
−HK$564/mo
Today · 4.125%
HK$18,966
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,932/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,855
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,387
−HK$541/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,031
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$677/mo
Today · 4.125%
HK$22,760
baseline
▲ 0.50% · 4.625%
HK$24,145
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,520/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,826
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$648/mo
Today · 4.125%
HK$25,113
baseline
▲ 0.50% · 4.625%
HK$26,437
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,226/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,763
−HK$790/mo
Today · 4.125%
HK$26,553
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,106/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,797
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$757/mo
Today · 4.125%
HK$29,299
baseline
▲ 0.50% · 4.625%
HK$30,843
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,598/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,124
−HK$1,015/mo
Today · 4.125%
HK$34,139
baseline
▲ 0.50% · 4.625%
HK$36,217
+HK$2,078/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$68,278/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,739
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,697
−HK$973/mo
Today · 4.125%
HK$37,670
baseline
▲ 0.50% · 4.625%
HK$39,655
+HK$1,985/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$75,340/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,805 · 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).