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$17,749
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$18,301
−HK$561/mo
Today · 4.125%
HK$18,862
baseline
▲ 0.50% · 4.625%
HK$20,010
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,724/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,745
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,275
−HK$537/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$21,909
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$673/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,378/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,695
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$24,330
−HK$645/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,291
+HK$1,316/mo
Deposit HK$3.11M · loan HK$4.67M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,848
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$786/mo
Today · 4.125%
HK$26,407
baseline
▲ 0.50% · 4.625%
HK$28,013
+HK$1,606/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,814/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,644
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$752/mo
Today · 4.125%
HK$29,137
baseline
▲ 0.50% · 4.625%
HK$30,673
+HK$1,536/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,274/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,948
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$1,009/mo
Today · 4.125%
HK$33,951
baseline
▲ 0.50% · 4.625%
HK$36,017
+HK$2,066/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$67,902/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,542
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$967/mo
Today · 4.125%
HK$37,462
baseline
▲ 0.50% · 4.625%
HK$39,437
+HK$1,975/mo
Deposit HK$778K · loan HK$7.01M · min. income ≈ HK$74,924/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,513 · 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).