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$17,834
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$563/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,840
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$540/mo
Today · 4.125%
HK$20,912
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,824/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,401
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$676/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,808
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$647/mo
Today · 4.125%
HK$25,094
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,188/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$789/mo
Today · 4.125%
HK$26,533
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,066/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$756/mo
Today · 4.125%
HK$29,277
baseline
▲ 0.50% · 4.625%
HK$30,820
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,554/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,101
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$1,014/mo
Today · 4.125%
HK$34,114
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$2,076/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,228/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,712
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,670
−HK$972/mo
Today · 4.125%
HK$37,642
baseline
▲ 0.50% · 4.625%
HK$39,626
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,284/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,632 · 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).