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$17,845
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$564/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,852
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$541/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,414
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,080
−HK$676/mo
Today · 4.125%
HK$22,756
baseline
▲ 0.50% · 4.625%
HK$24,141
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,512/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$649/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,433
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,983
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,760
−HK$789/mo
Today · 4.125%
HK$26,549
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,098/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,793
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$756/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$30,839
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,120
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,120
−HK$1,015/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$36,212
+HK$2,077/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,692
−HK$972/mo
Today · 4.125%
HK$37,664
baseline
▲ 0.50% · 4.625%
HK$39,650
+HK$1,986/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$75,328/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,773 · 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).