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$17,822
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$563/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$20,092
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$539/mo
Today · 4.125%
HK$20,898
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,796/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,052
−HK$676/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$24,111
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,792
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$648/mo
Today · 4.125%
HK$25,078
baseline
▲ 0.50% · 4.625%
HK$26,400
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,156/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,951
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$789/mo
Today · 4.125%
HK$26,516
baseline
▲ 0.50% · 4.625%
HK$28,129
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,032/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,758
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,502
−HK$755/mo
Today · 4.125%
HK$29,257
baseline
▲ 0.50% · 4.625%
HK$30,800
+HK$1,543/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,514/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,080
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,078
−HK$1,014/mo
Today · 4.125%
HK$34,092
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$2,074/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$68,184/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,689
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,646
−HK$971/mo
Today · 4.125%
HK$37,617
baseline
▲ 0.50% · 4.625%
HK$39,600
+HK$1,983/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$75,234/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,476 · 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).