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$17,815
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,369
−HK$563/mo
Today · 4.125%
HK$18,932
baseline
▲ 0.50% · 4.625%
HK$20,084
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,819
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$540/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$21,991
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,378
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$675/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,383/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$647/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,389
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,717
−HK$788/mo
Today · 4.125%
HK$26,505
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,010/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,746
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$754/mo
Today · 4.125%
HK$29,245
baseline
▲ 0.50% · 4.625%
HK$30,787
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,490/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,067
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,064
−HK$1,014/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$36,151
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,156/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,674
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$970/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,583
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,380 · 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).