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$17,846
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$564/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,930/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,854
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$540/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,030
+HK$1,104/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,416
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,082
−HK$677/mo
Today · 4.125%
HK$22,759
baseline
▲ 0.50% · 4.625%
HK$24,143
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,518/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,464
−HK$648/mo
Today · 4.125%
HK$25,112
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,224/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,762
−HK$790/mo
Today · 4.125%
HK$26,552
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,104/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,795
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$756/mo
Today · 4.125%
HK$29,297
baseline
▲ 0.50% · 4.625%
HK$30,841
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,594/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,123
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$1,015/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$2,077/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,737
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,695
−HK$973/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,653
+HK$1,985/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,794 · 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).