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$17,773
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,326
−HK$562/mo
Today · 4.125%
HK$18,888
baseline
▲ 0.50% · 4.625%
HK$20,037
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,776/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,303
−HK$538/mo
Today · 4.125%
HK$20,841
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,682/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,328
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$674/mo
Today · 4.125%
HK$22,665
baseline
▲ 0.50% · 4.625%
HK$24,045
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,330/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,363
−HK$646/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,327
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,883
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$786/mo
Today · 4.125%
HK$26,443
baseline
▲ 0.50% · 4.625%
HK$28,052
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,886/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,682
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$753/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,987
−HK$1,011/mo
Today · 4.125%
HK$33,998
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$2,069/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,996/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,591
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,545
−HK$968/mo
Today · 4.125%
HK$37,513
baseline
▲ 0.50% · 4.625%
HK$39,491
+HK$1,978/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,026/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,833 · 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).