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$17,809
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,363
−HK$563/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$20,077
+HK$1,151/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$539/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,100/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,371
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$22,036
−HK$675/mo
Today · 4.125%
HK$22,711
baseline
▲ 0.50% · 4.625%
HK$24,093
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,422/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,775
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$647/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,380
+HK$1,321/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$788/mo
Today · 4.125%
HK$26,496
baseline
▲ 0.50% · 4.625%
HK$28,108
+HK$1,612/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$52,992/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,737
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$755/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$30,777
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,053
−HK$1,013/mo
Today · 4.125%
HK$34,066
baseline
▲ 0.50% · 4.625%
HK$36,139
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,132/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,662
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,619
−HK$970/mo
Today · 4.125%
HK$37,589
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$1,981/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,178/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,303 · 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).