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$17,808
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,362
−HK$563/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$20,077
+HK$1,152/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,343
−HK$539/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,101/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,370
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,035
−HK$675/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$24,092
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,774
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,411
−HK$647/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,379
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,932
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,707
−HK$788/mo
Today · 4.125%
HK$26,495
baseline
▲ 0.50% · 4.625%
HK$28,107
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,990/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,736
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,480
−HK$755/mo
Today · 4.125%
HK$29,235
baseline
▲ 0.50% · 4.625%
HK$30,776
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,470/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,055
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$1,013/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$36,138
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,617
−HK$970/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,294 · 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).