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$17,825
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,379
−HK$564/mo
Today · 4.125%
HK$18,943
baseline
▲ 0.50% · 4.625%
HK$20,095
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,886/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,362
−HK$539/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,390
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$676/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$24,114
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$648/mo
Today · 4.125%
HK$25,082
baseline
▲ 0.50% · 4.625%
HK$26,404
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,164/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,955
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,731
−HK$789/mo
Today · 4.125%
HK$26,520
baseline
▲ 0.50% · 4.625%
HK$28,133
+HK$1,613/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,040/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,762
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,507
−HK$755/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$30,804
+HK$1,542/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,085
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$1,014/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,694
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,651
−HK$972/mo
Today · 4.125%
HK$37,623
baseline
▲ 0.50% · 4.625%
HK$39,606
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,246/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,512 · 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).