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$17,851
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,406
−HK$564/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$20,125
+HK$1,155/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$541/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,421
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$677/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$24,149
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,470
−HK$648/mo
Today · 4.125%
HK$25,118
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,236/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,991
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,769
−HK$789/mo
Today · 4.125%
HK$26,558
baseline
▲ 0.50% · 4.625%
HK$28,174
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,116/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,802
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,548
−HK$756/mo
Today · 4.125%
HK$29,304
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,608/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,131
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,131
−HK$1,015/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$36,224
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$972/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$1,986/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,853 · 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).