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$17,765
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,318
−HK$561/mo
Today · 4.125%
HK$18,879
baseline
▲ 0.50% · 4.625%
HK$20,028
+HK$1,149/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$37,758/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$538/mo
Today · 4.125%
HK$20,831
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,098/mo
Deposit HK$3.90M · loan HK$3.90M · min. income ≈ HK$41,662/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,318
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$21,981
−HK$674/mo
Today · 4.125%
HK$22,655
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,378/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$45,310/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,716
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$24,352
−HK$645/mo
Today · 4.125%
HK$24,997
baseline
▲ 0.50% · 4.625%
HK$26,315
+HK$1,318/mo
Deposit HK$3.12M · loan HK$4.67M · min. income ≈ HK$49,994/mo (50% DSR)
Upfront cash ≈ HK$3.35M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,871
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$786/mo
Today · 4.125%
HK$26,431
baseline
▲ 0.50% · 4.625%
HK$28,039
+HK$1,608/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$52,862/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$753/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,537/mo
Deposit HK$2.34M · loan HK$5.45M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$2.57M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,977
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,972
−HK$1,010/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$2,068/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,574
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,528
−HK$968/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$1,976/mo
Deposit HK$779K · loan HK$7.01M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$233,724 · 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).