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$17,785
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,338
−HK$562/mo
Today · 4.125%
HK$18,900
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,800/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,786
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$539/mo
Today · 4.125%
HK$20,855
baseline
▲ 0.50% · 4.625%
HK$21,954
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,710/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,342
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$674/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,380
−HK$646/mo
Today · 4.125%
HK$25,026
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,052/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,899
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$786/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,700
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,443
−HK$753/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,013
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,009
−HK$1,012/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$36,091
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,614
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$969/mo
Today · 4.125%
HK$37,538
baseline
▲ 0.50% · 4.625%
HK$39,517
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,076/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,988 · 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).