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$17,834
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,389
−HK$564/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$20,106
+HK$1,153/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,840
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$540/mo
Today · 4.125%
HK$20,912
baseline
▲ 0.50% · 4.625%
HK$22,015
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,824/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,401
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$676/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,808
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$648/mo
Today · 4.125%
HK$25,095
baseline
▲ 0.50% · 4.625%
HK$26,417
+HK$1,322/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,190/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,744
−HK$790/mo
Today · 4.125%
HK$26,534
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,614/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$53,068/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,776
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$756/mo
Today · 4.125%
HK$29,277
baseline
▲ 0.50% · 4.625%
HK$30,820
+HK$1,543/mo
Deposit HK$2.35M · loan HK$5.47M · min. income ≈ HK$58,554/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,102
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$1,015/mo
Today · 4.125%
HK$34,115
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$2,075/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,230/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,713
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,670
−HK$972/mo
Today · 4.125%
HK$37,642
baseline
▲ 0.50% · 4.625%
HK$39,626
+HK$1,984/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,284/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,634 · 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).