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$17,779
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$562/mo
Today · 4.125%
HK$18,894
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,788/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,779
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$538/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,999
−HK$674/mo
Today · 4.125%
HK$22,673
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,346/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,372
−HK$646/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$787/mo
Today · 4.125%
HK$26,452
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,904/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,691
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,434
−HK$753/mo
Today · 4.125%
HK$29,187
baseline
▲ 0.50% · 4.625%
HK$30,726
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,374/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$1,012/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,603
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,558
−HK$968/mo
Today · 4.125%
HK$37,526
baseline
▲ 0.50% · 4.625%
HK$39,505
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,052/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,914 · 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).