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$17,761
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$561/mo
Today · 4.125%
HK$18,875
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,149/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,750/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$538/mo
Today · 4.125%
HK$20,827
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,654/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$673/mo
Today · 4.125%
HK$22,650
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,378/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,300/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,711
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,347
−HK$645/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,310
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,866
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,639
−HK$786/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$28,033
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,663
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$753/mo
Today · 4.125%
HK$29,158
baseline
▲ 0.50% · 4.625%
HK$30,694
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,316/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,970
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,965
−HK$1,010/mo
Today · 4.125%
HK$33,975
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,950/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,567
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,521
−HK$967/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,464
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,676 · 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).