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$17,837
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,392
−HK$564/mo
Today · 4.125%
HK$18,956
baseline
▲ 0.50% · 4.625%
HK$20,109
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,912/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,844
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$540/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,405
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$676/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,813
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$648/mo
Today · 4.125%
HK$25,099
baseline
▲ 0.50% · 4.625%
HK$26,422
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,198/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,972
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,749
−HK$789/mo
Today · 4.125%
HK$26,538
baseline
▲ 0.50% · 4.625%
HK$28,153
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,076/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,781
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$756/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$30,826
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,106
−HK$1,015/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,719
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,677
−HK$972/mo
Today · 4.125%
HK$37,649
baseline
▲ 0.50% · 4.625%
HK$39,633
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,298/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,676 · 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).