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$17,776
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$561/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$538/mo
Today · 4.125%
HK$20,844
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,688/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,331
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$674/mo
Today · 4.125%
HK$22,668
baseline
▲ 0.50% · 4.625%
HK$24,048
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,336/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$645/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$786/mo
Today · 4.125%
HK$26,446
baseline
▲ 0.50% · 4.625%
HK$28,056
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,892/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,685
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,428
−HK$753/mo
Today · 4.125%
HK$29,181
baseline
▲ 0.50% · 4.625%
HK$30,719
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,362/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,996
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$1,012/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$2,068/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$968/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,864 · 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).