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$17,755
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,307
−HK$562/mo
Today · 4.125%
HK$18,869
baseline
▲ 0.50% · 4.625%
HK$20,017
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,738/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,752
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$538/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$21,917
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$673/mo
Today · 4.125%
HK$22,642
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,378/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,284/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,703
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,339
−HK$644/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,317/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,857
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,630
−HK$786/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$28,023
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,653
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$752/mo
Today · 4.125%
HK$29,147
baseline
▲ 0.50% · 4.625%
HK$30,684
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,294/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$1,010/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$36,030
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,554
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$967/mo
Today · 4.125%
HK$37,475
baseline
▲ 0.50% · 4.625%
HK$39,451
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,950/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,594 · 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).