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$17,817
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,371
−HK$563/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,821
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$540/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$21,993
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$676/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,382/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,785
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,423
−HK$647/mo
Today · 4.125%
HK$25,070
baseline
▲ 0.50% · 4.625%
HK$26,391
+HK$1,321/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,140/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,719
−HK$788/mo
Today · 4.125%
HK$26,507
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,014/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,749
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$755/mo
Today · 4.125%
HK$29,248
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,496/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,070
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$1,014/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,677
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,634
−HK$971/mo
Today · 4.125%
HK$37,605
baseline
▲ 0.50% · 4.625%
HK$39,587
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,210/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,403 · 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).