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$17,840
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,395
−HK$564/mo
Today · 4.125%
HK$18,959
baseline
▲ 0.50% · 4.625%
HK$20,113
+HK$1,154/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,918/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,847
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$540/mo
Today · 4.125%
HK$20,919
baseline
▲ 0.50% · 4.625%
HK$22,022
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,838/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,074
−HK$677/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,384/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,455
−HK$648/mo
Today · 4.125%
HK$25,103
baseline
▲ 0.50% · 4.625%
HK$26,427
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.69M · min. income ≈ HK$50,206/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,753
−HK$790/mo
Today · 4.125%
HK$26,543
baseline
▲ 0.50% · 4.625%
HK$28,158
+HK$1,615/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,086/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,786
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$756/mo
Today · 4.125%
HK$29,287
baseline
▲ 0.50% · 4.625%
HK$30,831
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,574/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,113
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,015/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$36,203
+HK$2,077/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$972/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$1,985/mo
Deposit HK$782K · loan HK$7.04M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,715 · 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).