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$17,821
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$564/mo
Today · 4.125%
HK$18,939
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,878/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,826
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$540/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,794/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,385
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$675/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,791
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,429
−HK$647/mo
Today · 4.125%
HK$25,076
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,152/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,950
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,726
−HK$788/mo
Today · 4.125%
HK$26,514
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,028/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,756
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$756/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$30,798
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$1,014/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$2,074/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,686
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,643
−HK$971/mo
Today · 4.125%
HK$37,614
baseline
▲ 0.50% · 4.625%
HK$39,597
+HK$1,983/mo
Deposit HK$782K · loan HK$7.03M · min. income ≈ HK$75,228/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,462 · 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).