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$17,777
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$562/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$538/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,332
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,996
−HK$674/mo
Today · 4.125%
HK$22,670
baseline
▲ 0.50% · 4.625%
HK$24,049
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,340/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,732
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,368
−HK$646/mo
Today · 4.125%
HK$25,014
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,028/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,888
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,662
−HK$786/mo
Today · 4.125%
HK$26,448
baseline
▲ 0.50% · 4.625%
HK$28,058
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,896/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,687
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,430
−HK$753/mo
Today · 4.125%
HK$29,183
baseline
▲ 0.50% · 4.625%
HK$30,721
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,366/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,998
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$1,011/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$968/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,499
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,881 · 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).