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$17,854
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,410
−HK$564/mo
Today · 4.125%
HK$18,974
baseline
▲ 0.50% · 4.625%
HK$20,128
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,948/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$541/mo
Today · 4.125%
HK$20,936
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,872/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,425
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$678/mo
Today · 4.125%
HK$22,769
baseline
▲ 0.50% · 4.625%
HK$24,154
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,538/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,835
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,474
−HK$649/mo
Today · 4.125%
HK$25,123
baseline
▲ 0.50% · 4.625%
HK$26,447
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,246/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,996
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,773
−HK$790/mo
Today · 4.125%
HK$26,563
baseline
▲ 0.50% · 4.625%
HK$28,180
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,126/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,808
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$757/mo
Today · 4.125%
HK$29,310
baseline
▲ 0.50% · 4.625%
HK$30,855
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,620/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,137
−HK$1,016/mo
Today · 4.125%
HK$34,153
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,306/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,753
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$972/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,897 · 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).