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$17,835
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,390
−HK$563/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$20,107
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$540/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,016
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,402
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,068
−HK$676/mo
Today · 4.125%
HK$22,744
baseline
▲ 0.50% · 4.625%
HK$24,128
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,488/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$648/mo
Today · 4.125%
HK$25,096
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,192/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,746
−HK$789/mo
Today · 4.125%
HK$26,535
baseline
▲ 0.50% · 4.625%
HK$28,149
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,070/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,778
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$756/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$30,822
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,102
−HK$1,014/mo
Today · 4.125%
HK$34,116
baseline
▲ 0.50% · 4.625%
HK$36,192
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,232/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,714
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$972/mo
Today · 4.125%
HK$37,644
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,288/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,646 · 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).