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$17,759
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,312
−HK$561/mo
Today · 4.125%
HK$18,873
baseline
▲ 0.50% · 4.625%
HK$20,021
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,746/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,287
−HK$537/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,311
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,974
−HK$673/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$24,026
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,344
−HK$645/mo
Today · 4.125%
HK$24,989
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,317/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,978/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,863
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$786/mo
Today · 4.125%
HK$26,422
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,844/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$752/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$1,010/mo
Today · 4.125%
HK$33,971
baseline
▲ 0.50% · 4.625%
HK$36,038
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,942/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,563
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,516
−HK$968/mo
Today · 4.125%
HK$37,484
baseline
▲ 0.50% · 4.625%
HK$39,460
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,968/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,648 · 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).