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$17,765
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,317
−HK$562/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$20,027
+HK$1,148/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,758/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$538/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,317
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$673/mo
Today · 4.125%
HK$22,654
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,308/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,715
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,351
−HK$646/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,317/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,870
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$786/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$28,038
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,668
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$753/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,700
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$1,010/mo
Today · 4.125%
HK$33,981
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,962/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,573
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,527
−HK$968/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,471
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,718 · 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).