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$17,842
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$564/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,849
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$540/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,411
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,077
−HK$676/mo
Today · 4.125%
HK$22,753
baseline
▲ 0.50% · 4.625%
HK$24,138
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,506/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$648/mo
Today · 4.125%
HK$25,106
baseline
▲ 0.50% · 4.625%
HK$26,429
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,212/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,979
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,756
−HK$790/mo
Today · 4.125%
HK$26,546
baseline
▲ 0.50% · 4.625%
HK$28,161
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,092/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,789
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,534
−HK$756/mo
Today · 4.125%
HK$29,290
baseline
▲ 0.50% · 4.625%
HK$30,834
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,580/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,116
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,115
−HK$1,015/mo
Today · 4.125%
HK$34,130
baseline
▲ 0.50% · 4.625%
HK$36,207
+HK$2,077/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,260/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,729
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,687
−HK$972/mo
Today · 4.125%
HK$37,659
baseline
▲ 0.50% · 4.625%
HK$39,644
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,318/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,741 · 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).