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$17,814
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$563/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$539/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,377
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$676/mo
Today · 4.125%
HK$22,718
baseline
▲ 0.50% · 4.625%
HK$24,100
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,436/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,782
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$647/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,388
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,940
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$25,716
−HK$788/mo
Today · 4.125%
HK$26,504
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,008/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,745
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,489
−HK$755/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,542/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,065
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,063
−HK$1,013/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$2,074/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,673
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$971/mo
Today · 4.125%
HK$37,600
baseline
▲ 0.50% · 4.625%
HK$39,582
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,200/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,371 · 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).