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$17,772
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,324
−HK$562/mo
Today · 4.125%
HK$18,886
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,772/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$538/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$21,937
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,326
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,989
−HK$674/mo
Today · 4.125%
HK$22,663
baseline
▲ 0.50% · 4.625%
HK$24,042
+HK$1,379/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$45,326/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$24,361
−HK$646/mo
Today · 4.125%
HK$25,007
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.68M · min. income ≈ HK$50,014/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,880
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,654
−HK$786/mo
Today · 4.125%
HK$26,440
baseline
▲ 0.50% · 4.625%
HK$28,049
+HK$1,609/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$52,880/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,679
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$753/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,712
+HK$1,538/mo
Deposit HK$2.34M · loan HK$5.46M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,989
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$1,011/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$36,063
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,587
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$968/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,487
+HK$1,977/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,810 · 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).