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$17,762
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,314
−HK$562/mo
Today · 4.125%
HK$18,876
baseline
▲ 0.50% · 4.625%
HK$20,024
+HK$1,148/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$37,752/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,760
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,290
−HK$538/mo
Today · 4.125%
HK$20,828
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,097/mo
Deposit HK$3.89M · loan HK$3.89M · min. income ≈ HK$41,656/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$674/mo
Today · 4.125%
HK$22,651
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,378/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,302/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,348
−HK$645/mo
Today · 4.125%
HK$24,993
baseline
▲ 0.50% · 4.625%
HK$26,311
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,986/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,867
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,640
−HK$786/mo
Today · 4.125%
HK$26,426
baseline
▲ 0.50% · 4.625%
HK$28,034
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,852/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,664
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,406
−HK$753/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,696
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$1,010/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$36,044
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,568
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$968/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,685 · 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).