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$17,766
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,319
−HK$561/mo
Today · 4.125%
HK$18,880
baseline
▲ 0.50% · 4.625%
HK$20,029
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,760/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$537/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$674/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,354
−HK$645/mo
Today · 4.125%
HK$24,999
baseline
▲ 0.50% · 4.625%
HK$26,317
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,998/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,872
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$786/mo
Today · 4.125%
HK$26,432
baseline
▲ 0.50% · 4.625%
HK$28,040
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,864/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,670
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,412
−HK$753/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,703
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,979
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$1,010/mo
Today · 4.125%
HK$33,984
baseline
▲ 0.50% · 4.625%
HK$36,052
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,968/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,576
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,530
−HK$968/mo
Today · 4.125%
HK$37,498
baseline
▲ 0.50% · 4.625%
HK$39,475
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,996/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,738 · 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).