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$17,794
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,348
−HK$562/mo
Today · 4.125%
HK$18,910
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,820/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$538/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$21,965
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,353
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$675/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,755
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$646/mo
Today · 4.125%
HK$25,038
baseline
▲ 0.50% · 4.625%
HK$26,358
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,076/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,912
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,687
−HK$787/mo
Today · 4.125%
HK$26,474
baseline
▲ 0.50% · 4.625%
HK$28,085
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,948/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,714
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,457
−HK$755/mo
Today · 4.125%
HK$29,212
baseline
▲ 0.50% · 4.625%
HK$30,751
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,424/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$1,012/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$970/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,537
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,108 · 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).