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$17,856
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$564/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,154/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$540/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,104/mo
Deposit HK$3.92M · loan HK$3.92M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,427
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,094
−HK$677/mo
Today · 4.125%
HK$22,771
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,386/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,542/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,477
−HK$649/mo
Today · 4.125%
HK$25,126
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,252/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$790/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,617/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,811
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$756/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,545/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$1,016/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$2,078/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,757
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,716
−HK$972/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$1,987/mo
Deposit HK$783K · loan HK$7.05M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,923 · 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).