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$17,830
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,385
−HK$563/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,836
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$540/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,010
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,396
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$676/mo
Today · 4.125%
HK$22,738
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,476/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$647/mo
Today · 4.125%
HK$25,089
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,178/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,739
−HK$789/mo
Today · 4.125%
HK$26,528
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,056/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,770
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$756/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$30,814
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,094
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$1,014/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$36,182
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$972/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,582 · 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).