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$17,792
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$562/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$539/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,100/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,351
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,015
−HK$674/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,381/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,389
−HK$647/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,909
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,684
−HK$787/mo
Today · 4.125%
HK$26,471
baseline
▲ 0.50% · 4.625%
HK$28,082
+HK$1,611/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,942/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,711
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,454
−HK$754/mo
Today · 4.125%
HK$29,208
baseline
▲ 0.50% · 4.625%
HK$30,748
+HK$1,540/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,416/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,026
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,022
−HK$1,012/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$2,071/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,628
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$969/mo
Today · 4.125%
HK$37,553
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$1,980/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,106/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$234,081 · 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).