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$17,780
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,333
−HK$562/mo
Today · 4.125%
HK$18,895
baseline
▲ 0.50% · 4.625%
HK$20,045
+HK$1,150/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,790/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$539/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$21,948
+HK$1,099/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$674/mo
Today · 4.125%
HK$22,674
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,348/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,736
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,373
−HK$645/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,319/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,892
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,666
−HK$787/mo
Today · 4.125%
HK$26,453
baseline
▲ 0.50% · 4.625%
HK$28,062
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,906/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,692
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$753/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,727
+HK$1,539/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,004
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,999
−HK$1,012/mo
Today · 4.125%
HK$34,011
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$2,069/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$68,022/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,604
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,559
−HK$968/mo
Today · 4.125%
HK$37,527
baseline
▲ 0.50% · 4.625%
HK$39,506
+HK$1,979/mo
Deposit HK$780K · loan HK$7.02M · min. income ≈ HK$75,054/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,920 · 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).