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$17,826
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,381
−HK$563/mo
Today · 4.125%
HK$18,944
baseline
▲ 0.50% · 4.625%
HK$20,097
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,888/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,832
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,364
−HK$539/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,005
+HK$1,102/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,057
−HK$676/mo
Today · 4.125%
HK$22,733
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,466/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,798
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$648/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$25,733
−HK$789/mo
Today · 4.125%
HK$26,522
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,044/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,764
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,509
−HK$755/mo
Today · 4.125%
HK$29,264
baseline
▲ 0.50% · 4.625%
HK$30,807
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,528/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,088
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$1,014/mo
Today · 4.125%
HK$34,100
baseline
▲ 0.50% · 4.625%
HK$36,175
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,200/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,697
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$972/mo
Today · 4.125%
HK$37,626
baseline
▲ 0.50% · 4.625%
HK$39,609
+HK$1,983/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,252/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,532 · 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).