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$17,831
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,386
−HK$563/mo
Today · 4.125%
HK$18,949
baseline
▲ 0.50% · 4.625%
HK$20,102
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,898/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,369
−HK$540/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,011
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,397
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,063
−HK$676/mo
Today · 4.125%
HK$22,739
baseline
▲ 0.50% · 4.625%
HK$24,123
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,478/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,804
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$648/mo
Today · 4.125%
HK$25,091
baseline
▲ 0.50% · 4.625%
HK$26,413
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,182/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,740
−HK$789/mo
Today · 4.125%
HK$26,529
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,058/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,772
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$755/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$30,815
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$1,014/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,707
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$972/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,620
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,596 · 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).