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$17,818
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$564/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$20,088
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,354
−HK$540/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,382
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,047
−HK$676/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$24,105
+HK$1,382/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,787
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,425
−HK$647/mo
Today · 4.125%
HK$25,072
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,144/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,721
−HK$789/mo
Today · 4.125%
HK$26,510
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,020/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,752
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$755/mo
Today · 4.125%
HK$29,251
baseline
▲ 0.50% · 4.625%
HK$30,793
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,502/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$1,014/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$36,158
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,681
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,638
−HK$970/mo
Today · 4.125%
HK$37,608
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$1,983/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,216/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,425 · 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).