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$17,817
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$563/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,821
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$539/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$676/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,423
−HK$648/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,321/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,944
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,720
−HK$788/mo
Today · 4.125%
HK$26,508
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,016/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,750
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$755/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,071
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$1,014/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$971/mo
Today · 4.125%
HK$37,606
baseline
▲ 0.50% · 4.625%
HK$39,588
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,212/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,408 · 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).