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$17,785
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,338
−HK$562/mo
Today · 4.125%
HK$18,900
baseline
▲ 0.50% · 4.625%
HK$20,050
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,800/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,785
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,316
−HK$538/mo
Today · 4.125%
HK$20,854
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,708/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,005
−HK$675/mo
Today · 4.125%
HK$22,680
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,360/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,742
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,379
−HK$646/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,673
−HK$787/mo
Today · 4.125%
HK$26,460
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,920/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,699
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$754/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,735
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$1,012/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$36,090
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,613
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,568
−HK$969/mo
Today · 4.125%
HK$37,537
baseline
▲ 0.50% · 4.625%
HK$39,516
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,074/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,982 · 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).