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$17,773
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$562/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,772
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$538/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$674/mo
Today · 4.125%
HK$22,664
baseline
▲ 0.50% · 4.625%
HK$24,044
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,328/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,726
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,362
−HK$646/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,882
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$786/mo
Today · 4.125%
HK$26,442
baseline
▲ 0.50% · 4.625%
HK$28,051
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,884/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,681
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,423
−HK$753/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,714
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,991
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$1,011/mo
Today · 4.125%
HK$33,997
baseline
▲ 0.50% · 4.625%
HK$36,065
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,994/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,544
−HK$968/mo
Today · 4.125%
HK$37,512
baseline
▲ 0.50% · 4.625%
HK$39,489
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,024/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,824 · 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).