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$17,771
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$561/mo
Today · 4.125%
HK$18,885
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,770/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$538/mo
Today · 4.125%
HK$20,838
baseline
▲ 0.50% · 4.625%
HK$21,937
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,676/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,325
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$674/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,360
−HK$646/mo
Today · 4.125%
HK$25,006
baseline
▲ 0.50% · 4.625%
HK$26,324
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,012/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$787/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,678
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$753/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$1,011/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$36,062
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$968/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,804 · 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).