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$17,849
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$564/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,155/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,857
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,389
−HK$541/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,103/mo
Deposit HK$3.91M · loan HK$3.91M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,343/mo
▼ 0.25% · 3.875%
HK$22,085
−HK$677/mo
Today · 4.125%
HK$22,762
baseline
▲ 0.50% · 4.625%
HK$24,147
+HK$1,385/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$45,524/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$649/mo
Today · 4.125%
HK$25,116
baseline
▲ 0.50% · 4.625%
HK$26,440
+HK$1,324/mo
Deposit HK$3.13M · loan HK$4.70M · min. income ≈ HK$50,232/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,989
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$25,766
−HK$790/mo
Today · 4.125%
HK$26,556
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,616/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$53,112/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,800
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$757/mo
Today · 4.125%
HK$29,302
baseline
▲ 0.50% · 4.625%
HK$30,846
+HK$1,544/mo
Deposit HK$2.35M · loan HK$5.48M · min. income ≈ HK$58,604/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,128
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,128
−HK$1,015/mo
Today · 4.125%
HK$34,143
baseline
▲ 0.50% · 4.625%
HK$36,221
+HK$2,078/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$68,286/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,742
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,701
−HK$972/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,659
+HK$1,986/mo
Deposit HK$783K · loan HK$7.04M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,830 · 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).