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$17,782
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$562/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$538/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$22,002
−HK$675/mo
Today · 4.125%
HK$22,677
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,354/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,739
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,375
−HK$646/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,340
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$787/mo
Today · 4.125%
HK$26,456
baseline
▲ 0.50% · 4.625%
HK$28,066
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,912/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,695
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$754/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,730
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$1,012/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$36,084
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,608
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,563
−HK$969/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,510
+HK$1,978/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,948 · 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).