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$17,812
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$563/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,152/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$539/mo
Today · 4.125%
HK$20,886
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,101/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,772/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$22,039
−HK$676/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$24,097
+HK$1,382/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,779
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$647/mo
Today · 4.125%
HK$25,063
baseline
▲ 0.50% · 4.625%
HK$26,385
+HK$1,322/mo
Deposit HK$3.12M · loan HK$4.69M · min. income ≈ HK$50,126/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,937
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$25,712
−HK$788/mo
Today · 4.125%
HK$26,500
baseline
▲ 0.50% · 4.625%
HK$28,113
+HK$1,613/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$53,000/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,742
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$755/mo
Today · 4.125%
HK$29,241
baseline
▲ 0.50% · 4.625%
HK$30,782
+HK$1,541/mo
Deposit HK$2.34M · loan HK$5.47M · min. income ≈ HK$58,482/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,062
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$1,013/mo
Today · 4.125%
HK$34,072
baseline
▲ 0.50% · 4.625%
HK$36,145
+HK$2,073/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$68,144/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,668
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$970/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,577
+HK$1,982/mo
Deposit HK$781K · loan HK$7.03M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,342 · 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).