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$17,756
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,309
−HK$561/mo
Today · 4.125%
HK$18,870
baseline
▲ 0.50% · 4.625%
HK$20,018
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,740/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,754
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$537/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$21,919
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,308
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$674/mo
Today · 4.125%
HK$22,644
baseline
▲ 0.50% · 4.625%
HK$24,022
+HK$1,378/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,288/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,340
−HK$645/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,302
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,859
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$786/mo
Today · 4.125%
HK$26,418
baseline
▲ 0.50% · 4.625%
HK$28,025
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,836/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,655
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$752/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,686
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,962
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,956
−HK$1,010/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$36,033
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,511
−HK$967/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,453
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,611 · 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).