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$17,788
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,342
−HK$562/mo
Today · 4.125%
HK$18,904
baseline
▲ 0.50% · 4.625%
HK$20,054
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,808/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,789
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,320
−HK$538/mo
Today · 4.125%
HK$20,858
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,716/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$674/mo
Today · 4.125%
HK$22,684
baseline
▲ 0.50% · 4.625%
HK$24,065
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,368/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,747
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,384
−HK$646/mo
Today · 4.125%
HK$25,030
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,060/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,904
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,678
−HK$787/mo
Today · 4.125%
HK$26,465
baseline
▲ 0.50% · 4.625%
HK$28,076
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,930/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,705
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$754/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,741
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$1,012/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$36,097
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,621
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$969/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,524
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,030 · 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).