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$17,758
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,311
−HK$561/mo
Today · 4.125%
HK$18,872
baseline
▲ 0.50% · 4.625%
HK$20,020
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,744/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$537/mo
Today · 4.125%
HK$20,823
baseline
▲ 0.50% · 4.625%
HK$21,921
+HK$1,098/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,646/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,310
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$21,973
−HK$673/mo
Today · 4.125%
HK$22,646
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,378/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,292/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,707
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,343
−HK$645/mo
Today · 4.125%
HK$24,988
baseline
▲ 0.50% · 4.625%
HK$26,305
+HK$1,317/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,976/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,861
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,635
−HK$786/mo
Today · 4.125%
HK$26,421
baseline
▲ 0.50% · 4.625%
HK$28,028
+HK$1,607/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,842/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,658
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,400
−HK$752/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,689
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,959
−HK$1,010/mo
Today · 4.125%
HK$33,969
baseline
▲ 0.50% · 4.625%
HK$36,036
+HK$2,067/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,938/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,560
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,514
−HK$968/mo
Today · 4.125%
HK$37,482
baseline
▲ 0.50% · 4.625%
HK$39,457
+HK$1,975/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,964/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,635 · 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).