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$17,799
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,352
−HK$563/mo
Today · 4.125%
HK$18,915
baseline
▲ 0.50% · 4.625%
HK$20,066
+HK$1,151/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,830/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,801
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$539/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$21,971
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,358
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,023
−HK$675/mo
Today · 4.125%
HK$22,698
baseline
▲ 0.50% · 4.625%
HK$24,079
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,396/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$647/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,365
+HK$1,320/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,918
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$788/mo
Today · 4.125%
HK$26,481
baseline
▲ 0.50% · 4.625%
HK$28,092
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,962/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,721
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$754/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,759
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,438/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,037
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$1,013/mo
Today · 4.125%
HK$34,047
baseline
▲ 0.50% · 4.625%
HK$36,118
+HK$2,071/mo
Deposit HK$781K · loan HK$7.02M · min. income ≈ HK$68,094/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,641
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$970/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,547
+HK$1,980/mo
Deposit HK$781K · loan HK$7.02M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,166 · 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).