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$17,786
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$562/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,787
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$538/mo
Today · 4.125%
HK$20,856
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,712/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,344
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$674/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$24,062
+HK$1,380/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,745
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$24,381
−HK$647/mo
Today · 4.125%
HK$25,028
baseline
▲ 0.50% · 4.625%
HK$26,347
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,056/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,901
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$787/mo
Today · 4.125%
HK$26,463
baseline
▲ 0.50% · 4.625%
HK$28,073
+HK$1,610/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,926/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,702
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$754/mo
Today · 4.125%
HK$29,199
baseline
▲ 0.50% · 4.625%
HK$30,738
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,398/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,016
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$1,012/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$2,070/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$969/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,006 · 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).