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$17,843
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,398
−HK$564/mo
Today · 4.125%
HK$18,962
baseline
▲ 0.50% · 4.625%
HK$20,116
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,924/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$540/mo
Today · 4.125%
HK$20,923
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,846/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,412
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,078
−HK$677/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$24,139
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,821
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,460
−HK$648/mo
Today · 4.125%
HK$25,108
baseline
▲ 0.50% · 4.625%
HK$26,431
+HK$1,323/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,216/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,758
−HK$789/mo
Today · 4.125%
HK$26,547
baseline
▲ 0.50% · 4.625%
HK$28,163
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,094/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,791
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$756/mo
Today · 4.125%
HK$29,292
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,584/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,118
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$1,015/mo
Today · 4.125%
HK$34,132
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$2,077/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$68,264/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,731
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,689
−HK$972/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,647
+HK$1,986/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,755 · 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).