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$17,814
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$563/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$539/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$21,989
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,041
−HK$676/mo
Today · 4.125%
HK$22,717
baseline
▲ 0.50% · 4.625%
HK$24,099
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,434/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,781
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,419
−HK$647/mo
Today · 4.125%
HK$25,066
baseline
▲ 0.50% · 4.625%
HK$26,387
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,132/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,939
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,715
−HK$788/mo
Today · 4.125%
HK$26,503
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,006/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$755/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$30,785
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,065
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$1,013/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,672
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$971/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,581
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,365 · 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).